Assistant Acquisition Manager

Position Overview

The Asset Desk Manager supervises branch-level asset business growth by managing various loan products including Home Loans, Micro LAP, MSME Loans, Agriculture Loans, and Vehicle Loans. This full-time role situated at the branch involves direct reporting to the Branch Manager and demands comprehensive leadership in asset acquisition and process coordination.

Primary Responsibilities

• Achieve monthly asset disbursement targets averaging 50 lakhs, with targets varying by branch location and capability.
• Manage and source a diverse portfolio of 4 to 6 different asset products.
• Generate a minimum of 50 leads monthly, facilitating the creation and submission of 20-25 credit files for underwriting.
• Drive asset customer acquisition, covering both new to bank (NTB) and existing to bank (ETB) clients to meet disbursement goals.
• Leverage branch relationships and develop new customer connections to generate leads.
• Coordinate timely follow-ups, documentation processes, and lead conversion in partnership with processing teams.
• Support cross-selling strategies and branch marketing initiatives alongside product and marketing departments.
• Evaluate market potential; collect insight about competitors, customer demands, and product features.
• Monitor portfolio performance, handle renewals and retention, and assist efforts to reduce attrition and enhance sourcing quality.
• Contribute to sales planning, budgeting, and branch asset strategies.
• Act as a primary contact for customer inquiries about loan products, and guide customers throughout the loan application journey.
• Maintain strong relations to bolster customer experience, retention, and referrals; address queries and escalate issues as needed.
• Train branch personnel and customers on asset product specifics, policies, and features.
• Collaborate with branch, credit, and operations teams to ensure efficient processing, documentation, and disbursement adhering to internal policies and regulatory standards.
• Report lead status, application funnel, conversion rates, and disbursement data daily; analyze trends and areas requiring improvement.
• Assist branch manager in reviewing asset business performance with relevant metrics.
• Provide coaching for branch staff on asset products and lead generation.
• Resolve escalations promptly and advocate process enhancements.
• Complete mandatory training, goal-setting, mid-year reviews, and annual appraisal evaluations.
• Share customer and branch insights to influence product and process improvements.

Required Knowledge and Qualifications

• Bachelor’s degree in Commerce, Business, Economics, or related fields with strong analytical and sales acumen.
• 2 to 4 years’ experience in asset verticals within the financial industry or with Ujjivan Small Finance Bank preferred.
• Proficiency in asset verticals and overdraft products.
• Basic computer skills including familiarity with MS Office and Outlook.
• Understanding of accounting and financial administration is advantageous.
• Fluency in local languages along with working knowledge of English.
• A solid grasp of KYC/AML norms and regulatory guidelines.

Behavioral and Functional Competencies

• Strong cross-selling abilities.
• Willingness to travel and relocate according to business needs and career growth.
• Excellent interpersonal communication skills, both oral and written.
• Capability to engage effectively with colleagues at various levels and customers.
• Competence in managing channel partners and stakeholders.
• Training and coaching skills.
• Proven strengths in relationship building, driving change, marketing facilitation, and collaboration.

Key Interactions

• Internal teams including Asset Verticals Business, Branch Operations, Product, State HR, and Branch Team.
• External stakeholders such as Customers and Channel Partners.

Additional Details

This is a branch-based full-time position in the Pune/Pimpri-Chinchwad area, reporting directly to the Branch Manager, designed to drive the expansion and effective management of branch asset business.