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Program Manager- Housing ( Corporate Office)

Bangalore, Karnataka

Ujjivan Financial Services Pvt. Ltd.

Job Description

Secured Loans is a growing business for Ujjivan. The Relationship Manager- Secured loan is the most important position that will drive this business in the respective hub. The position is responsible for overall growth and success of the business in the cluster.
Oversees the performance of secured loan portfolio of his/her hub and branches in terms of growth (amount and client base) and productivity of loan officers by guiding them and carrying out constructive reviews of their performance.
Ensure adequate adherence to credit, collections and compliance procedures by staff
Guides the loan officers in carrying out marketing and sales activity, customer appraisals and proposal preparation.
Maintains good relationship with high value customers.
Exercises control and carries out recovery of loans in his/her hub, in coordination with his team. Carries out risk assessment and recovery strategy.
Identifies suitable branches and locations for secured Loans, in coordination with the branch, credit & product teams, and gets the locations activated. Ensures proper goal setting, resource planning, marketing and sourcing of housing loans.
Identifies legal and technical evaluators in the locations during expansion.
Works closely with product and marketing team to drive suitable branding and marketing activities in his/ her respective area. Ensuring back end preparations for processing & credit appraisals are in place on time.
In coordination with HR ensure that hiring requirements are in place as per budgeted guidelines



Business Growth & Productivity To ensure performance against the budgeted numbers.
Developing strategy for Sourcing/lead generation of Customers from open market as well as form internal customers.
Daily/ Weekly /Monthly monitoring of the accomplishment of targets (new customer acquisition, retention and enhancements of existing customers) according to the annual/monthly targets established for the hub and branches under his/her responsibility to provide guidance and solutions to his/her team
Controls targets and results on daily, weekly, monthly basis of portfolio of risk by different categories such as days in arrears, number of installment due, amount within his/her hub, branch, loan officer with the objective to identify tendencies and risks.
Identify potential risks in his/her region and highlight to authority
Supports loan officers- in his/her area in their duties of client visits, risk assessment and recovery strategies
Implement, supervise and control effectiveness of strategy with his/her team to reach the productivity and growth targets established.
Need to maintain the average ticket size as per the guidelines and ensure productivity of loan officers.
Ensure adherence to laid down credit process, supervise the correct implementation of the credit procedures including all the respective tools
Evaluate the staff competences in terms of promotion, business assessment and credit risk assessment capacity and propose solutions for improvement


Ensure customers are educated about all products/services offered by Ujjivan.
Maintains relationship with high value customers.
Ensure lower customer attrition by providing different products as per customer requirement.
Focus on lower TAT as per laid down standards.
Ensure proper customer grievance redressal & customer satisfaction.

Company Description

There were many microfinance institutions active in rural India, but very few served... India’s urban population. To bridge this gap, Ujjivan focused on the urban poor. This is a fast growing segment that is relatively new to India’s microfinance industry. Our surveys and interaction with the urban poor show that they are exposed to enormous contingencies and are required to share their meagre resources with neighbors, friends, relatives and colleagues. Hence, there is a tremendous amount of bonding and affinity among them. We have also found that, contrary to popular belief, the urban poor are a stable population. Therefore, the significant difference between the urban and rural population is the lack of time and availability of space in cities.  Read full description

Additional Information

Last updated:
Job type:
Full time
Position type:
Minimum experience:
Between three and five years
Compulsory Education
Jobs in Banking / Financial Services
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