Deputy Relationship Manager- Fast Track Loan- Maharashtra & Gujarat

• POSITION DESCRIPTION

  JOB TITLE Deputy Relationship Manager-Fast Track Loan GRADE M

• DEPARTMENT WEST BUSINESS LOCATION #*Current Office Location*#
• SUB-DEPARTMENT NA TYPE OF POSITION Full-time
• REPORTS TO #*Reporting Designation*# REPORTING INTO NA
• ROLE PURPOSE & OBJECTIVE

Join Ujjivan Small Finance Banks WEST BUSINESS department as a Deputy Relationship Manager specializing in Fast Track Loan services. This role is pivotal in driving the banks growth by managing and expanding a portfolio of clients seeking quick and efficient loan solutions. The ideal candidate will leverage deep industry knowledge and strong client management skills to deliver tailored financial products, ensuring customer satisfaction and adherence to regulatory standards. This position demands a proactive approach to relationship building, risk assessment, and cross-functional collaboration within a dynamic banking environment.

• SIZE OF THE ROLE
• FINANCIAL SIZE NON-FINANCIAL SIZE
• Not Applicable Not Applicable

Key Duties And Responsibilities Of The Role

• Manage and grow a portfolio of clients by providing fast track loan solutions tailored to their financial needs.
• Conduct thorough credit appraisals and risk assessments to ensure compliance with the banks lending policies and regulatory requirements.
• Develop and maintain strong relationships with clients to understand their business needs and offer appropriate banking products.
• Collaborate with internal teams including credit, operations, and compliance to facilitate seamless loan processing and disbursal.
• Monitor loan performance and proactively address any issues related to repayments or client concerns.
• Identify opportunities for cross-selling additional banking products and services to enhance client value and bank revenue.
• Prepare detailed reports on loan portfolio status, client interactions, and market trends for senior management review.
• Stay updated with industry developments, regulatory changes, and competitive landscape to advise clients effectively.
• Participate in training and development programs to continuously enhance product knowledge and relationship management skills.

MINIMUM REQUIREMENTS OF KNOWLEDGE AND SKILLS

• Bachelors degree in Finance, Business Administration, or a related field; MBA or equivalent postgraduate qualification preferred.
• Minimum of 4-6 years of experience in banking with a focus on retail or SME lending, particularly in fast track loan products.

  Experience #*Education and Experience*#

• Certifications #*Required Certification/s*#
• Functional Skills

• Credit Risk Assessment
• Client Relationship Management
• Loan Portfolio Management
• Financial Analysis
• Regulatory Compliance
• Cross-selling Techniques
• Negotiation Skills
• Market and Industry Knowledge
• Report Preparation and Presentation
• Stakeholder Collaboration

Behavioural Skills

• Credit Risk Assessment
• Client Relationship Management
• Loan Portfolio Management
• Financial Analysis
• Regulatory Compliance
• Cross-selling Techniques
• Negotiation Skills
• Market and Industry Knowledge
• Report Preparation and Presentation
• Stakeholder Collaboration

Competencies Required #*Competencies*#