Job Description

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Cluster Manager Micro Mortgages

East 3541-Dhupguri, Dhupguri, West Bengal, India








Department
EAST BUSINESS
Job posted on
Jan 09, 2026
Employment type
Permanent

I.

ROLE PURPOSE & OBJECTIVE

1. Drives Mortgage business in their respective Cluster. Is responsible for overall growth and success of the MLAP business & cross sell TPP & Liability Products2. Build efficient team of Relationship Officers in the Cluster assigned

II.

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*

III.

KEY DUTIES & RESPONSIBILITIES OF THE ROLE

Candidate should be able to deliver budgeted business figures from the Cluster of control through placing adequate manpower across active branches. He/She is also responsible for building a quality portfolio without compromising on quantum of business



1.

Business/ Financials

2. 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
3. Supports Loan Officers- in his/her area in their duties of client visits, risk assessment and recovery strategies
4. Efficient staffing by timely recruitment & training
5. Supports Relationship Officers- in his/her area in their duties of client visits, risk assessment and recovery strategies
6. Should be ready to travel extensively across the cluster of control for business requirements

7.

Customer

(Both Internal & External)
8. Ensure that customers are aware of the Product and services properly
9. Ensure that customers are explained about the Terms & Conditions of Product
10. Focus on lower TAT as per laid down standards.

11.

Internal Process
12. Monitor health of portfolio
13. 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.
14. Ensure, supervise the correct implementation of the credit procedures including all the respective tools

15.

Innovation & Learning

16. Ensure goal-setting, mid-year review and annual appraisal process within specified timelines for self and reportees17. Evaluate the staff competences in terms of promotion, business assessment and credit risk assessment capacity and propose solutions for improvement
18. Expected to be updated with all new improvement & innovations happening in the market and competitors
19. Should be updated with the latest trends in civic and local laws of the territory of operation

IV.

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)

5 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 MLAP at Cluster level.

Ability to engage with customers, Plan & execute Marketing and Sales promotion for MLAP

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