Job Title: Relationship Manager - Home Loans
Reporting to: Branch Manager
Department: Sales
Grade: Assistant Manager
Age Group: 22 – 28 years
CTC Range: 2.8 LPA to 3.2 LPA (Fixed Pay)|INR 15000 monthly incentives on achievement of minimal disbursement targets
Job Description:
The employee will be responsible for creating a local distribution network for the distribution of home loans through 'contact points' and direct marketing activities such as self-construction site visits, pamphlet distribution and other activity. They will be responsible for creation/empanelment of contact points. These contact points are generally the first points of enquiry for a person looking to build or buy a home and include cement dealers, building steel rods dealers, brick/gravel/sand dealers, building planners, small-time engineers, masons, sanitaryware dealers, among others. The employee will be given complete charge of the location where he/she is expected to foster relationships with 'contact points' and existing borrowers of the home loan organization. The role will be solely to distribute affordable housing loans. This is a great opportunity to step into the affordable home loan industry with exposure to all aspects of the job.
Key Responsibilities:
1. Sales and Business Development: Achieve home loan disbursement goals by executing a business plan that includes prospecting, networking, and field based marketing activities.
2. Product Promotion: Present and promote Home Loans to prospective clients both physically and digitally through social media channels.
3. Customer Relationship Management: Ensure proper customer profiling on each call/prospective customer visit, to identify and understand his/her needs and accordingly recommend the loan products. Build and maintain relationships with customers to not only generate references but also to ensure timely servicing of the loan.
4. Team Collaboration: Work in sync with the credit team to ensure timely disbursement of loans by coordinating with loan applicants to provide all the documents required for loan assessment and disbursement.
5. Market Awareness: Maintain knowledge of current industry trends, products, services, and underwriting guidelines.
6. Field Activities: Perform other field-based activities and marketing initiatives for the generation of home loan leads as instructed by the branch manager.
7. Customer Lifecycle Management: Be responsible for the complete lifecycle of a home loan, right from the application, coordination required for processing the application, to the end of the lifecycle of the customer in the organisation.
Qualifications:
Must be a graduate from any stream.- Should have a minimum of 12 months of experience in retail sales.
- Candidates with prior experience in BFSI will have an added advantage.
- Must have good communication skills.
- Must have Two Wheeler and valid driving licence.
Note: This role entails working out of a location and does not require coming to the branch on a daily basis.
