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Cluster Manager-Housing Loans

Talentmate

India

22nd July 2026

2607-38489-575

Job Description

POSITION DESCRIPTION

JOB TITLE : Cluster Manager - Housing

GRADE : SM

DEPARTMENT : Housing Loans

LOCATION : BRANCH

SUB-DEPARTMENT : TYPE OF POSITION : Full-time

REPORTS TO : Area Manager - Housing

REPORTING INTO

Relationship Manager &

Loan Officers

ROLE PURPOSE & OBJECTIVE

Housing Loan is a growing business for Ujjivan. The Cluster Manager-Housing Loan is an important position that will drive this business in the respective cluster. The position is responsible for overall growth and success of the business in the cluster.
Built efficient team of Loan officers in the clusters assigned
Oversees the performance of the HL portfolio of his/her cluster and branch in terms of growth (amount and client base) and productivity of loan officers by guiding them and carrying out constructive reviews of their performance
Overall responsible for the control and recovery of loans in his/her region, risk assessment and recovery strategies.
In coordination with the branch, credit & product teams, identifies suitable branches and locations for Housing business loan and gets the locations activated through Area Managers. Ensures proper goal setting, resource planning, marketing and sourcing of HL business. Identifying legal and technical evaluators in the locations during expansion.
Work closely with product and marketing team to drive suitable branding and marketing activities in his/her respective cluster.
SIZE OF THE ROLE

FINANCIAL SIZE

NON-FINANCIAL SIZE

Cost of hiring and placing new Relationship Officers at Branches
Operational Cost of managing the Conveyance and Claims of Relationship Officers
Cost of procurement marketing collaterals, sales aids
Shall be expected to manage a portfolio of Rs.15 Cr. Progressively
Managing a single product across the branches of operations
Managing a team size of 5 employees progressively
Managing assets like marketing collaterals, Stationary, Dockets and Systems
Managing hiring and placement of Relationship Officers in required Branches
KEY DUTIES & RESPONSIBILITIES OF THE ROLE

Business/ Financials

Daily/ Weekly /Monthly monitoring of the accomplishment of targets according to the annual/monthly targets established for the area and branches under his/her responsibility to provide guidance and solutions to his/her team as required
Assign 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 region by area, branch, loan officer with the objective to identify tendencies and risks.
Supports Loan Officers- in his/her area in their duties of client visits, risk assessment and recovery strategies
Efficient staffing by timely recruitment & training
Implement, supervise and control effectiveness of commercial strategy with his/her team to reach the productivity and growth targets established.
Approve deviations and exceptions according to policy in place.
Ensure, supervise the correct implementation of the credit procedures including all the respective tools

Customer (Both Internal & External)

Ensure customers are educated about all products/services offered by Ujjivan.
Ensure lower customer attrition by providing different products as per customer requirement.
Focus on lower TAT as per laid down standards.

Internal Process

Ensure compliance with lending guidelines, quality framework and audit requirements; ensure speedy resolution of any audit observations and take necessary steps to prevent recurrence audit and other regulations.
Monitor health of portfolio
Sanctioning of loans according to the policy in place.
Ensure, supervise the correct implementation of the credit procedures including all the respective tools
Discuss strategies and changes in terms of products, capacity building, procedures etc.

Innovation & Learning

Ensure that all members of his team are up to date on all relevant circulars and all products/services offered in the Branch
Evaluate the staff competences in terms of promotion, business assessment and credit risk assessment capacity and propose solutions for improvement
Ensure adherence to training man-days/ mandatory training programs for self and reportees
Ensure goal-setting, mid-year review and annual appraisal process within specified timelines for self and reportees
Monitor performance of staff against defined goals/metrics and take corrective action wherever required; undertake disciplinary and attendance monitoring of Housing Loans team.
MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Qualifications

Graduate in Commerce or relevant subjects
An MBA or equivalent is an added advantage

Experience(Years and Core Experience Type)

4-9 years in sales and documentation of loans of which at least 2 years in Housing Loans, home loans or loan against property in an NBFC/ Bank/HFC. Mixed experience of Sales & Credit is acceptable, but should be predominantly in sales

Certifications

Relevant certifications shall be an added advantage

Functional Skills

Ability to create teams and drive sales performance. Will be required to take complete ownership of Housing business at Cluster level.
Ability to engage with customers, Plan & execute Marketing and Sales promotion
Ability to speak and read regional language(s)- is desirable. Ability to communicate in English (Read-speak-write) is required. Has good verbal fluency and uses simple, clear and purposeful language.
Adequate Computer knowledge

Behavioral Skills

Sound Product knowledge
Should possess Training Skills
Willingness to travel & relocation as per business requirements and career opportunities
Managing customer relations
Performance oriented

Competencies

Good Computer Knowledge
Competent to handle MIS systems and Lending Software
KEY INTERACTIONS

INTERNAL

EXTERNAL

Product and Marketing Team
Regional Operations, Credit
Audit, Vigilance and FCU team
Area Technical Manager
Legal Vendors
External marketing agencies
Competitor Counterparts

PREPARED BY: Shiv Kumar

DATE: 22-01-2024

REVIEWED BY: Rishu Kumar

DATE: 22-01-2024

LAST UPDATED BY: TM Team

DATE: 22-01-2024

Job Details

Role Level:	Not Applicable	Work Type:	Full-Time
Country:	India	City:	Bengaluru ,Karnataka
Company Website:	https://www.ujjivansfb.in	Job Function:	Sales
Company Industry/ Sector:	Other

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