Branch Sales Manager-Micro Mortgages

POSITION DESCRIPTION JOB TITLE : Branch Sales Manager-Micro Mortgages GRADE : M DEPARTMENT : Micro Mortgages LOCATION : BRANCH SUB-DEPARTMENT : TYPE OF POSITION : Full-time REPORTS TO : Area Manager-Micro Mortgages REPORTING INTO Relationship Officer-Micro Mortgages Portfolio Officer-Micro Mortgages ROLE PURPOSE & OBJECTIVEInteract with the customers, look out for the requirements of the customers who wish to take a micro mortgage loan, creating the demand for the same and fulfilling the demand.Managing End to End sales life cycle of tapping prospects through marketing activities, understanding their requirement and rendering adviceNegotiating with customers, timely disbursement of loan and providing other Bank Products.Implementing tactics to enhance market penetration through Bank branches, Connectors, customer referrals and marketing activities.To set up distribution through builder Empanelment (APF), Marketing activities, relationship management with stakeholders as required SIZE OF THE ROLE FINANCIAL SIZE NON-FINANCIAL SIZE Cost of hiring and placing new Relationship Officers and Portfolio Officers at Branches Operational Cost of managing the Conveyance and Claims of Relationship Officers Cost of procurement marketing collaterals, sales aids. Shall be expected to manage a portfolio of Rs.10 Cr. Progressively Managing a housing vertical's product across the location of operations Managing assets like marketing collaterals, Stationary, Dockets and Systems Managing a team size of 2-3 ROs/POs reporting into the role. KEY DUTIES & RESPONSIBILITIES OF THE ROLE Business/ Financials Aligning with bank Branches & other Ujjivan teams (Micro-Banking & others) for increasing Traffic for MMIncrease distribution by interacting closely with MB team and other internal sourcesTargets on number & value of files for Log-in, approval, disbursement of HLCollection of Bounced cases for no zero-default track of all customers sourced FTR on all files Customer (Both Internal & External) Attend and address customer queries and grievances within the defined TAT. Managing internal and external customer relationship to ensure customer satisfaction. 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 Manage and nurture the team reporting into this roleFTR on all work/processes/ filesWell spread file flow of log-in and disbursal over a monthDocumentation and preparation of process manuals. Innovation & Learning Work towards grooming self for next level of Area Manager with help of supervisor. Completion of goal setting and appraisal on time MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS Educational Qualifications Graduate with 3-8 years' experience in mortgages industry. Experience (Years and Core Experience Type) 3-8 years in sales and documentation of loans of which at least 2 years in Housing Loans, home loans or loans against property in an NBFC/ Bank/HFC. Mixed experience of Sales & Credit is acceptable but should be predominantly in sales. Certifications Relevant certifications shall be an added advantage Functional Skills Ability to create teams and drive sales performance. Will be required to take complete ownership of Housing business at Cluster level. Ability to engage with customers, Plan & execute Marketing and Sales promotion Ability to speak and read regional language(s)- is desirable. Ability to communicate in English (Read-speak-write) is required. Has good verbal fluency and uses simple, clear and purposeful language. Adequate Computer knowledge Behavioral Skills Sound Product knowledge Should possess Training Skills Willingness to travel & relocation as per business requirements and career opportunities Managing customer relations Performance oriented Competencies Good Computer Knowledge Competent to handle MIS systems and Lending Software KEY INTERACTIONS INTERNAL EXTERNAL Product and Marketing Team Regional Operations, Credit Audit, Vigilance and FCU team Area Technical Manager Legal Vendors External marketing agencies Competitor Counterparts PREPARED BY: Preshaanth R DATE: 31-01-2025 REVIEWED BY: Rishu Kumar DATE: 31-01-2025 LAST UPDATED BY: TM Team DATE: 17-03-2025 .