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Ujjivan Small Finance Bank

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26 Ujjivan Small Finance Bank Jobs

Area Sales Manager - Micro LAP/Micro Mortgage

8-12 years

₹ 15 - 18L/yr

Valsad, Vapi

1 vacancy

Area Sales Manager - Micro LAP/Micro Mortgage

Ujjivan Small Finance Bank

posted 19hr ago

Job Role Insights

Fixed timing

Job Description

Locations Preferred: Vapi & Valsad


Interested candidates can share their on below email ID


samruddhi.raut@ujjivan.com



I. ROLE PURPOSE & OBJECTIVE

  • Housing Loan is a growing business for Ujjivan. The Area Manager-Housing Loan is the most important position that will drive this business in the respective cluster. The position is responsible for overall growth and success of the business in the cluster.
  • Built efficient team of Loan officers and cluster Managers in the Area/cluster assigned
  • Oversees the performance of the HL portfolio of his/her region by area and branch in terms of growth (amount and client base) and productivity of cluster manager/loan officers by guiding them and carrying out constructive reviews of their performance
  • Overall responsible for the control and recovery of loans in his/her region, risk assessment and recovery strategies.
  • In coordination with the branch, credit & product teams, identifies suitable branches and locations for Housing business loan and gets the locations activated. Ensures proper goal setting, resource planning, marketing and sourcing of HL business. Identifying legal and technical evaluators in the locations during expansion.
  • Work closely with product and marketing team to drive suitable branding and marketing activities in his/her respective cluster.
  • Effictivly handly DSA Chanl contcores.Role & responsibilities


I. KEY DUTIES & RESPONSIBILITIES OF THE ROLE

Business

  • Daily/ Weekly /Monthly monitoring of the accomplishment of targets according to the annual/monthly targets established for the area and branches under his/her responsibility to provide guidance and solutions to his/her team as required
  • Assign targets and results on daily, weekly, monthly basis of portfolio of risk by different categories such as days in arrears, number of installment due, amount within his/her region by area, branch, loan officer with the objective to identify tendencies and risks.
  • Supports Cluster Manager- in his/her area in their duties of client visits, risk assessment and recovery strategies
  • Efficient staffing by timely recruitment & training
  • Implement, supervise and control effectiveness of commercial strategy with his/her team to reach the productivity and growth targets established.
  • Approve deviations and exceptions according to policy in place.
  • Ensure, supervise the correct implementation of the credit procedures including all the respective tools

Customer

  • Ensure customers are educated about all products/services offered by Ujjivan.
  • Ensure lower customer attrition by providing different products as per customer requirement.
  • Focus on lower TAT as per laid down standards.

Internal process

  • Ensure compliance with lending guidelines, quality framework and audit requirements; ensure speedy resolution of any audit observations and take necessary steps to prevent recurrence audit and other regulations.
  • Monitor health of portfolio
  • Sanctioning of loans according to the policy in place.
  • Ensure, supervise the correct implementation of the credit procedures including all the respective tools
  • Discuss strategies and changes in terms of products, capacity building, procedures etc.

Learning & Performance

  • Ensure that all members of his team are up to date on all relevant circulars and all products/services offered in the Branch
  • Evaluate the staff competences in terms of promotion, business assessment and credit risk assessment capacity and propose solutions for improvement
  • Ensure adherence to training man-days/ mandatory training programs for self and reportees
  • Ensure goal-setting, mid-year review and annual appraisal process within specified timelines for self and reportees
  • Monitor performance of staff against defined goals/metrics and take corrective action wherever required; undertake disciplinary and attendance monitoring of Housing Loans team.


Employment Type: Full Time, Permanent

Read full job description

Ujjivan Small Finance Bank Interview Questions & Tips

Prepare for Ujjivan Small Finance Bank Area Sales Manager roles with real interview advice

Top Ujjivan Small Finance Bank Area Sales Manager Interview Questions

Q1. How do you know the customer profile and transactions are matching?
Q2. How many branches I have to handling ?
Q3. Explain about AML and KYC?
View all 53 questions

What people at Ujjivan Small Finance Bank are saying

4.5
 Rating based on 6 Area Sales Manager reviews

Likes

Systems and structures are there. Field force is dedicated

Dislikes

Poor middle management, no scope of growth

  • Salary - Poor
  • +6 more
Read 6 Area Sales Manager reviews

Area Sales Manager salary at Ujjivan Small Finance Bank

reported by 20 employees with 6-18 years exp.
₹7.5 L/yr - ₹22.2 L/yr
43% more than the average Area Sales Manager Salary in India
View more details

What Ujjivan Small Finance Bank employees are saying about work life

based on 5.4k employees
51%
47%
56%
99%
Strict timing
Monday to Saturday
Within city
Day Shift
View more insights

Ujjivan Small Finance Bank Benefits

Health Insurance
Job Training
Soft Skill Training
Team Outings
Work From Home
Education Assistance +6 more
View more benefits

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