Area Manager-Commercial Lending/Sr. Area Manager-Commercial Lending

Bajaj Finance; Lucknow; On-site; INR 900,000 - 1,300,000; Full time

Job summary

Bajaj Finserv Limited in Lucknow is seeking an experienced Relationship Manager to manage the existing client base and add new clients for Commercial Emerging Corporate Business. You will focus on maintaining quality of the asset book and expanding the portfolio.

The role emphasizes credit quality, portfolio diversification, and effective coordination with internal and external stakeholders to achieve the firm's strategic targets.

Qualifications

• CA / MBA Finance from a reputed institute preferred.
• Experience in Emerging Corporate - RM role with a bank/NBFC would be preferred.
• Exposure in lending to Emerging Corporate clients (revenue 200 Cr).
• Basic understanding of working capital and term lending products.
• Flair and ability to evaluate business opportunities.
• Relationship building and networking.
• Strong communications and presentation.
• Ability to complete assignments within the timeline.

Responsibilities

• Source New to Bajaj relationships for Commercial Emerging Corporate Business (Turnover 200 Cr).
• Build a diversified portfolio offering revenues from Assets NII, Fees, Cross sell etc.
• Appraise financial strength of client, advise and structure the facility meeting client's requirement and fitting within policy parameters.
• Strong focus on Credit quality. Monitor accounts, track customer business and report early warning signals.
• Regular tracking of progress on the agreed key metrics towards delivering on the strategy.
• Track developments in the respective markets and provide feedback to the management team.
• Stakeholder management - Coordination with internal as well as external stakeholders.

Skills

Relationship building

Networking

Communication skills

Education

CA / MBA Finance

Job description

Job Summary

To manage existing client base and to add more clients. Maintaining quality of the asset book managed by self

Duties and Responsibilities

• Source New to Bajaj relationships for Commercial Emerging Corporate Business (Turnover 200 Cr). Experience in handling Corporate client relationships is preferred.


• Build a diversified portfolio offering revenues from Assets NII, Fees, Cross sell etc. Asset opportunities to be sourced aligned to the lending norms as prescribed.


• Appraise financial strength of client, advise and structure the facility meeting client\'s requirement and fitting within policy parameters.


• Strong focus on Credit quality. Thorough monitoring of accounts sourced, keep track on customer business and report any early warning signals and take appropriate actions as identified. Build a Portfolio which is strong and non-delinquent.


• Regular tracking of progress on the agreed key metrics towards delivering on the strategy.


• Track developments in the respective markets and provide feedback to the management team.


• Stakeholder management - Coordination with internal as well as external stakeholders

Key Decisions / Dimensions

• Following decisions are taken by the role: Key contributor to solution discussion of Use Cases


• Identification of Use Cases to onboard LOBs and drive Rewards platform adoption


• Ensuring proper record maintenance of PRD, test cases and product documentation

Major Challenges

• Client management - Managing various clients from various industries


• Ensuring pristine credit quality

Required Qualifications and Experience

Qualifications

• CA / MBA Finance from a reputed institute preferred.

Experience

• Candidate needs to have an overall experience of more than 3 years in a Emerging Corporate - RM role with a reputed Bank / NBFC would be preferred


• He must have exposure in lending to Emerging Corporate clients (Companies with revenue 200 Cr)


• Basic understanding of working capital and term lending products


• Flair and ability to evaluate business opportunities


• Relationship building and networking s


• Strong communications and presentation s


• Ability to get a given assignment/ job completed within the stipulated timeline