Ujjivan Small Finance Bank, one of India’s leading small finance banks, is inviting applications for the position of Deputy Relationship Manager – Micro Mortgage. This opportunity is ideal for fresh graduates and candidates with up to one year of experience who are looking to build a career in mortgage loans, housing finance, and banking sales.

The bank is seeking dynamic and customer-focused professionals to support its growing Micro Mortgage business across multiple locations in West Bengal, Bihar, and Tripura.

Position Details

Job Role: Deputy Relationship Manager – Micro Mortgage

Qualification: Minimum Graduate

Experience Required:

0–1 year of experience in Mortgage Loans, LAP (Loan Against Property), Housing Loans, or Banking Asset Product Sales.

Fresh graduates interested in field sales are also eligible.

Knowledge of Home Loans and Secured Lending Products is preferred.

Key Responsibilities

Generate leads and acquire new customers for mortgage and housing loan products.

Conduct customer visits and explain loan offerings.

Assess customer requirements and collect necessary documentation.

Coordinate with credit and operations teams for loan processing.

Maintain strong customer relationships and ensure timely service.

Achieve business targets and portfolio growth objectives.

Job Locations

Tripura

Dharmanagar

Udaipur

Melaghar

Bihar

Patna

Bhagwanpur (Muzaffarpur)

Gaya

West Bengal

Siliguri

Shiv Mandir (North Bengal)

Durgapur

Asansol

Memari

Burdwan

Bolpur

Midnapore

Kharagpur

Tamluk

Gopiballavpur (Jhargram)

Bagnan (Howrah)

How to Apply

Interested candidates can share their updated resumes at:

Email: subrata.kar352@ujjivan.com

Technical FAQs

1. What is a Micro Mortgage product in banking?

A Micro Mortgage is a small-ticket secured housing loan designed for customers seeking affordable financing for home purchase, construction, renovation, or extension. These loans are typically targeted toward low and middle-income segments.

2. What is LAP (Loan Against Property)?

LAP is a secured loan where borrowers pledge their residential, commercial, or industrial property as collateral to obtain funds. The loan amount is determined based on the property’s market value and repayment capacity.

3. What are the key parameters evaluated during mortgage loan assessment?

Banks generally evaluate:

Customer income and repayment capacity

Credit history (CIBIL score)

Property valuation

Loan-to-Value (LTV) ratio

Employment stability and banking transactions

4. What is the Loan-to-Value (LTV) ratio?

LTV is the percentage of the property’s value that a lender is willing to finance. For example, if a property is valued at ₹20 lakh and the bank sanctions ₹16 lakh, the LTV ratio is 80%.

5. Why is customer verification important in mortgage lending?

Customer verification helps banks assess creditworthiness, prevent fraud, verify property ownership, ensure regulatory compliance, and reduce the risk of loan defaults.

Note: Fresh graduates interested in field sales and banking careers are encouraged to apply for this opportunity with Ujjivan Small Finance Bank.