Branch Sales Manager- Loans

Position: Branch Sales Manager-Housing Loans
Location: Modāsa

POSITION DESCRIPTION

JOB TITLE :
Branch Sales Manager-Housing Loan

GRADE : M

DEPARTMENT :
Housing Loans

LOCATION : BRANCH

SUB-DEPARTMENT : TYPE OF POSITION :
Full-time

REPORTS TO :
Area Manager-Housing

REPORTING INTO

Loan Officer-Housing Loans
Relationship Manager-Housing Loans.
ROLE PURPOSE & OBJECTIVE
Interact with the customers, look out for the requirements of the customers who wish to take a housing 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 advice
Negotiating 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 Loan Officers/Relationship Managers rational 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.5 Cr. Progressively.
Managing a Housing vertical's products across the location of operations
Managing assets like marketing collaterals, Stationary, Dockets and Systems
Managing the team of LO/RMs reporting into this role.
KEY DUTIES & RESPONSIBILITIES OF

THE ROLE

Business/ Financials

Aligning with bank Branches & other Ujjivan teams (Micro-Banking & others) for increasing Traffic for HL
To set up distribution via connector enrollment and engagement through builder Empanelment (APF)
Targets on number & value of files for Log-in, approval, disbursement of HL
Collection 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 role
FTR on all work/processes/ files
Well spread file flow of log-in and disbursal over a month.
Documentation and preparation of process manuals

Innovation & Learning

Work towards grooming self for next level of Area manager with help of supervisors.
Completion of goal setting and appraisal on time
MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Qualifications

Graduate with 2 Year experience in Housing industry
Post Graduate with 2-year experience in Housing industry

Experience (Years and Core Experience Type)

3-6 years in sales and documentation of loans of which at least 2 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

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:
Shivkumar V Chelluboyina

DATE: 15-01-2025

REVIEWED BY:
Pradeep B

DATE: 15-01-2025

LAST UPDATED BY: TM Team

DATE: 13-03-2025