Deputy Relationship Manager

Position Description JOB TITLE: Deputy Relationship Manager-Micro Mortgages GRADE: DM-II DEPARTMENT: Micro Mortgages LOCATION: BRANCH TYPE OF POSITION: Full-time REPORTS TO: Cluster Manager- Micro Mortgages Role Purpose & Objective Lead Generation - Conduct regular marketing and sales activities to generate leads from the identified markets Dealing with the Customers- Engage with the customers at the front end to ensure smooth conversions from lead stage to disbursement and also repayment, recovery and retention. Size of the Role Shall be expected to manage a portfolio of Rs.5 Cr. Progressively Managing a single product across the branch catchment area Managing a customer base of 100 customers progressively Key Duties & Responsibilities Business/Financials Candidate should be able to deliver targeted business figures from the location of the branch. He/She is also responsible for building a quality portfolio without compromising on quality levels. Achieve the set targets on MLAP Loans in terms of open market acquisition and existing potential customer conversion Maintain database of the prospects, meet select prospects and manage the relationship thereafter Attend X (to be defined) number of prospects in a day/week/month to generate leads and references for MLAP Loans Should be ready to travel extensively across the catchment area of the location to build the base of business Customer (Both Internal & External) Interact with customers in a courteous and professional manner; provide prompt, efficient and accurate services and establish professional relationship with them, with a long-term perspective Guarantee confidential treatment of all the information gathered from customers and demonstrate the highest order of integrity as per the code of conduct of the organization Internal Process Carry out the pre and post-loan activities related to MLAP Loans, perform simple financial analysis, present the loan applications to the sanctioning committee by adhering to the set TAT & prioritize the repayment of loans to preserve the portfolio quality Visit the customers business and home to do the assessment/evaluation, following the "Product Policy" procedures. Coordinate with the credit department in case of identifying discrepancies or problems in customers information, reports, etc. through Cluster Manager- MLAP Innovation & Learning Maintain up to date knowledge of MLAP product as well as a working knowledge of other products offered in the branch Inform Cluster Manager- MLAP about the demand in his/her assigned branch catchment as well as on the competition on a regular basis Ensure adherence to training man-days/ mandatory training programs for self Should be updated with the latest trends in civic and local laws of the location of operation. Minimum Requirements of Knowledge & Skills Educational Graduate in Commerce or relevant subjects Experience (Years and Core Experience Type) 2 years in sales and documentation of loans of which at least 1 years in Housing Loans, home loans or loan 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 Knowledge of Secured loans/ Mortgage Loans Sales and marketing skills - Retail financial products Communication Skills - fluent in the local language & can read-write basic English Equipped enough to read and understand the legal papers Behavioral Skills Sound Product knowledge Willingness to travel across the branches and catchment to expand the business Managing customer relations Performance oriented Competencies Good Computer Knowledge Key Interactions INTERNAL EXTERNAL Branch Managers Regional Operations, Credit IL Loan Officers, CROs Area Technical Manager Legal Vendors External marketing agencies Competitor Counterparts