Individual Relationship Officer – Mortgage/HL

Job Description

Individual Relationship Officer – Mortgage

Job Title: Rural

Function / Department

Business Head

Department Head

Unit Manager

Reporting Manager

Purpose of the Job:

Contribute to the growth of mortgage business by sourcing new customers majorly by own sourcing, complemented by the quality of sourcing reflected in delinquency and run-offs. Part of the role also demands him to contribute to the revenue by doing LI.

Describe the KPIs against each perspective

Perspective	Key Performance Indicators
Business and Financial Management	Delivery in Volume Percentage payout to channel as required Insurance Achievement Delinquency
Customer Focus	Possession of database of salaried and self employed customers. Portfolio Management Attending customer queries & resolution in TAT. No. of cases where PDD is incomplete.
People / Team	Actively co-ordinate with the Risk and Legal team to ensure closure in documentation. Co-ordinate with the Unit Manager / CBM to ensure closure on disbursal. Ensure all exceptions raised are cleared within the TAT.
Process / Quality Improvement	Adherence to process and Quality manifested in a Login to Conversion ratio of 60% No. of rejects due to non-adherence in providing documents while logging in.

SCOPE & DISCRETION (Span of control)

Grade	O1 to 04	M1 to M3	SM1 to SM3
Nos.	NA	NA	NA

Total:

Sr. No.	Direct Reportees	Indicate brief job purpose (functional title/role title)
1	NA
2	NA

Self deliverables

The most important tasks performed on an individual basis without involving subordinates are:

Sr. No.	Task performed
1	Awareness of the local land legal constituents
2	Possess database of all the schools, colleges, industries and potential bases for salaried business.
3	Create Awareness in the market through direct or indirect marketing activities
4	Tracks competition in terms of rates, proposals and policy.
5	Gathering and building on references.
6	Is constantly monitoring the quality of the portfolio and performance.
7	Provide solutions to issues faced and thoughts which can lead to more business generation.
8	Has a productive pipeline.
9	Builds and maintains a steady relationship with customers.
10	Ensure Login to conversion ratio is maintained at 60%
11	Ensuring 100% of the proposals are given LI
12	Have a concrete understanding of the Mortgage policy in terms of documents required, process to be followed.
13	Ensure all the cases are legally cleared before disbursing the case.
14	Ensure delinquency is within the norms and provide adequate support to the collection team as and when the need arises.
15	Ensure delivery is spaced out through the month rather than accumulation towards month end.
16	Ensure all the documents are given at the time of login to help risk in taking a decision on the case.
17	Pre-screening of documents before login.
18	Presenting cases for rate waivers and following on approvals.
19	Ensure rejection percentage is below the threshold set.
20	Where required provide for re-look of rejected cases.
21	Liaises with the risk team to do PD in every case.
22	Meets at least 3 new customers everyday.

Degree Influenced

Geography	With the Location
Departments

Challenge

Challenge on working relationships, both internal & external contacts

Sr. No.	Most frequent contacts	Nature or purpose
1	Businesses/Business marketing
2	Risk Team
3	Legal Team

Peer

Sr.No.	Peer	Indicate brief job purpose (functional title/role title)
1	IRO
2	GCO
3	TO

Other factors relevant to the job

Other aspects of the job not covered by the above but necessary to have a full understanding of it are:

Sr. No.	Other relevant factors (Required Skills)
1	Achievement Orientation
2	Commitment
3	Conscientiousness
4	Legal Understanding
5	Product understanding
6	Ability to present a case basis the policy

Expertise required / Domain Knowledge:

• Understanding of Mortgage business
• Knowledge of local market conditions
• Competitor knowledge
• Fundamental legal documentation understanding.

No. of years of relevant experience:

1 yr to 5 yrs

Any specific specialization/education:

Graduate