Manager

CFM Asset Reconstruction Pvt Ltd; Bengaluru; On-site; INR 1,400,000 - 2,100,000; Full time

Job summary

CFM Asset Reconstruction Pvt Ltd is seeking a senior professional to lead deal evaluation, due diligence, and financial modeling for stressed asset portfolios. The role involves engaging with SAMBs, banks, and NBFCs, performing rigorous data room analysis, and coordinating complex bid processes across South Indian markets.

You will build cash-flow models, assess collateral viability, and ensure successful hand-offs to operations. Strong English and regional language familiarity are a plus.

Qualifications

• MBA in Finance, CA, CFA or equivalent post-graduate degree in finance.
• 7–8 years post-qualification experience in Banking, NBFCs, ARCs, Special Situation Debt, or Stressed Asset Advisory.
• Deep familiarity with the South Indian financial ecosystem; Fluency in English along with local working knowledge (Telugu / Kannada) is an advantage.

Responsibilities

• Establish and nurture relationships with SAMBs, Zonal Offices, and recovery divisions across Hyderabad, Bangalore, and regional hubs.
• Screen loan portfolios, teasers, and IMs to assess collateral and asset viability.
• Lead due diligence, site visits, and document reviews with legal titles.
• Build recovery cash-flow models and DCF scenarios for target portfolios.
• Coordinate data room analysis, NDAs, and bid submissions.
• Hand-off acquired debt portfolios to Asset Resolution teams under SARFAESI/IBC.
• Support resolution team with borrower negotiations and collateral liquidation.
• Maintain live NPA tracker and monitor regional distress trends.
• Assist co-investors and regional partners on deal opportunities.

Skills

SARFAESI Act

IBC 2016

DRT processes

RBI loan transfer directives

Credit analysis

Real estate valuation

Cash-flow modeling

Bank recovery network

Legal advisers coordination

Mobility / field travel

Education

MBA in Finance / CA / CFA or equivalent

Job description

• Establish and nurture active relationships with Stressed Assets Management Branches (SAMBs), Zonal Offices, and recovery divisions of public/private banks and major NBFCs across Hyderabad, Bangalore, and regional hubs.
• Track local bank auction notices, bilateral pool sales, and Swiss Challenge opportunities across Southern regional markets.
• Conduct initial screening of loan portfolios, teasers, and Information Memorandums (IMs) to evaluate underlying collateral, promoter background, and asset viability.

2. Deal Evaluation, Due Diligence & Financial Modelling

• Lead physical and document due diligence for new deal acquisitions, including site visits, property inspections, and visiting bank branches to review confidential loan documents, security creation files, and legal titles.
• Build recovery cash-flow models, discounted cash flow (DCF) scenarios, and hair-cut estimates for target portfolios.
• Oversee regional legal, technical, and valuation vendors during physical due diligence of underlying real estate and industrial assets.
• Prepare comprehensive Investment Committee (IC) memos and transaction structure proposals (Cash vs. Security Receipt combinations).
• Lead data room analysis, coordinate documentation (NDAs, Assignment Agreements), and manage binding bid submissions.
• Ensure smooth hand-off of acquired debt portfolios to the local Asset Resolution and Operations teams for enforcement under SARFAESI/IBC.
• Provide active, ongoing support to the resolution team for resolving region-wise assets, including borrower negotiations, OTS (One Time Settlement) structuring, collateral liquidations, and litigation monitoring.
• Maintain a live tracker of regional NPA inventory, real estate distress trends, and competitor ARC bidding patterns in Telangana, AP, and Karnataka.
• Support pitch preparation for co-investors, local real estate resolution partners, and Special Situation Funds looking at regional exposures.

REQUIRED QUALIFICATIONS & EXPERIENCE

• MBA in Finance / CA / CFA or equivalent post-graduate degree in finance.
• 7 to 8 years of post-qualification experience in Banking, NBFCs, ARCs, Special Situation Debt, or Stressed Asset Advisory.
• Deep familiarity with the South Indian financial ecosystem and corporate borrower landscape. Fluency in English along with local working knowledge (Telugu / Kannada) is an advantage.

REQUIRED SKILLS & COMPETENCIES

• Strong practical knowledge of the SARFAESI Act, IBC 2016, DRT processes, and RBI directives on loan transfer.
• Hands-on proficiency in credit analysis, real estate valuation principles, and financial cash-flow modeling.
• Strong network across local bank recovery officers, resolution professionals (RPs), and legal advisers in Bangalore and Hyderabad.
• High autonomy and mobility to manage regional travel for site visits and bank meetings.