I. Job Description
- Sourcing business through the rural/semi urban locations across different states of the country.
- Creating a high quality portfolio
- Sourcing of Files through Channels/DSA for Mortgage Loan
- Ensuring on-time collections
Key Responsibilities
Managerial Responsibilities
- Identifying potential customers in the branch business zone and sourcing them under the assigned product
- Managing the relationship with customers to generate business leads to achieve the business target numbers on monthly basis with good customer quality
- Ensure timely repayment from the customers sourced
- Maintaining cordial relationship with colleagues and peers with team spirit in every action
- Execution of task with complete integrity and transparency
Functional Responsibilities
- Achieving the given target within time limits with the support of BM/CM/Ops
- Attending the leads, explaining about the products, procedure and benefits Addressing all queries of customers
- Initial scrutiny of business of the customers, ability to repay the loan, character and integrity of the customers
- Collection of documents from customers, arranging meeting with higher officials, inspection of the property being offered as collateral and facilitating valuation of the property
- Facilitating legal reports with empanelled advocates and customers
- Co-ordination between customers and branch officials for sanction and documentation
- Ensuring creation of mortgage wherever applicable on a timely basis and with proper verification and papers to be in order with respect to the legal opinion given by the empanelled advocate
- Monitoring the portfolio regularly in order to contain any delinquency symptoms in the initial stage by meeting such clients with proactive measures
- Sincere and dedicated effort to collect/ recover overdue amount from the respective clients on regular basis
- Taking any additional responsibility as and when it is required with focus on deliverable
Job Requirements
- Qualifications - 10+2 level or upwards
- Experience - Minimum experience of 1 year in in banks/NBFC lending
- Functional Competencies - Building partnerships and coordination among different stake holders such as colleagues, senior officials and customers Ability to identify business opportunity in the given area Ability to take action consistent with principles and goals of the organization
- Behavioral - Responsibility and accountability
- Competencies - Building trust and relationships among the team members Proactive approach to lead by example and adhering to codes of conduct and principles