Relationship Officer - Micro Mortgages

Position Description

Job Title: Relationship Officer - Micro Mortgages

Grade: DM-II

Department: Micro Mortgages

Location: Branch

Sub-Department: 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 of the Role

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 customer’s 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 customer’s 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 Qualifications

• 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 year 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

• Branch Managers.
• Regional Operations, Credit.
• IL Loan Officers, CROs.
• Area Technical Manager.
• Legal Vendors.
• External marketing agencies.
• Competitor Counterparts.

Prepared By: Preshaanth R

Reviewed By: Pradeep B

Last Updated By: TM Team