01Overview
POSITION DESCRIPTION
JOB TITLE : Cluster Manager - Housing
GRADE : SM
DEPARTMENT : Housing Loans
LOCATION : BRANCH
SUB-DEPARTMENT : TYPE OF POSITION : Full time
REPORTS TO : Area Manager - Housing
REPORTING INTO
Relationship Manager &
Loan Officers
ROLE PURPOSE & OBJECTIVE
Housing Loan is a growing business for Ujjivan. The Cluster Manager-Housing Loan is an 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 in the clusters assigned
Oversees the performance of the HL portfolio of his/her cluster and branch in terms of growth (amount and client base) and productivity of 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 through Area Managers. 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.
SIZE OF THE ROLE
FINANCIAL SIZE
NON-FINANCIAL SIZE
Cost of hiring and placing new Relationship 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.15 Cr. Progressively
Managing a single product across the branches of operations
Managing a team size of 5 employees progressively
Managing assets like marketing collaterals, Stationary, Dockets and Systems
Managing hiring and placement of Relationship Officers in required Branc .
