₹4.5L – ₹13L a year estimatetypical for Accounting & Finance Jobs in India, 301 posts
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Role at a glance
You will
REPORTS TO : Area Manager
Oversees the performance of the HL portfolio of his/her cluster and branch in terms of growth (amount and client base) and productivity of…
Ensures proper goal setting, resource planning, marketing and sourcing of HL business.
Experience
4–9 years
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
From live job posts on CoreHRx, updated 8 Nov 2026. Skill figures count posts that list their skills; salary figures only posts that show a salary.
Questions about this job
What is the salary for this Cluster Manager-Housing Loans job?
The post does not state the pay. As an estimate, comparable posts on CoreHRx advertise ₹4.5L – ₹13L a year (typical for Accounting & Finance Jobs in India, 301 posts).
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