Job Purpose:

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 deliverables

Job Requirements:

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