JOB TITLE
Cluster Manager - Micro Mortgages
GRADE
SM
DEPARTMENT
Micro Mortgages
LOCATION
BRANCH
SUB-DEPARTMENT
TYPE OF POSITION
Full-time
REPORTS TO
Regional Sales Manager/ Area Manager - Micro Mortgages
REPORTING INTO
Relationship Manager,
Portfolio Manager,
Customer Service Officer
ROLE PURPOSE & OBJECTIVE
Drives Mortgage business in their respective Cluster. Is responsible for overall growth and success of the MLAP business & cross sell TPP & Liability Products
Build efficient team of Relationship Officers in the Cluster assigned
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 Branches
KEY DUTIES & RESPONSIBILITIES OF THE ROLE
Candidate should be able to deliver budgeted business figures from the Cluster of control through placing adequate manpower across active branches. He/She is also responsible for building a quality portfolio without compromising on quantum of business
Business/ Financials
Daily/ Weekly /Monthly monitoring of the accomplishment of targets according to the annual/monthly targets established for the area and branches under his/her responsibility to provide guidance and solutions to his/her team as required
Supports Loan Officers- in his/her area in their duties of client visits, risk assessment and recovery strategies
Efficient staffing by timely recruitment & training
Supports Relationship Officers- in his/her area in their duties of client visits, risk assessment and recovery strategies
Should be ready to travel extensively across the cluster of control for business requirements
Customer (Both Internal & External)
Ensure that customers are aware of the Product and services properly
Ensure that customers are explained about the Terms & Conditions of Product
Focus on lower TAT as per laid down standards.
Internal Process
Monitor health of portfolio
Ensure compliance with lending guidelines, quality framework and audit requirements; ensure speedy resolution of any audit observations and take necessary steps to prevent recurrence audit and other regulations.
Ensure, supervise the correct implementation of the credit procedures including all the respective tools
Innovation & Learning
Ensure goal-setting, mid-year review and annual appraisal process within specified timelines for self and reportees
Evaluate the staff competences in terms of promotion, business assessment and credit risk assessment capacity and propose solutions for improvement
Expected to be updated with all new improvement & innovations happening in the market and competitors
Should be updated with the latest trends in civic and local laws of the territory of operation
MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS
Educational
Qualifications
Graduate in Commerce or relevant subjects
An MBA or equivalent is an added advantage
Experience(Years and Core Experience Type)
Certifications
Functional Skills
Ability to create teams and drive sales performance. Will be required to take complete ownership of MLAP at Cluster level.
Ability to engage with customers, Plan & execute Marketing and Sales promotion for MLAP
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 : PRESHAANTH R
DATE : 09-12-2023
REVIEWED BY : PRADEEP B
DATE : 12-12-2023
LAST UPDATED BY : TM Team
DATE : 15-01-2024