Regional Relationship Head-Project and Structured Finance

Jobitus; Bengaluru; On-site; INR 900,000 - 1,300,000; Full time

Job summary

Jobitus in Bengaluru is seeking a senior relationship manager to drive new client acquisition, manage key corporate relationships, and ensure superior service across loan processing and post-disbursement support. You will coordinate with risk, operations and other functions to achieve budgeted volumes and profitability, perform credit appraisal, and explore cross-selling opportunities across PSFG products.

The role focuses on portfolio management, policy compliance and delivering value to

Responsibilities

• Assist Zonal Head in delivering budgeted sales volumes, profitability and Fee Income in the designated area and implement business strategy; tap local network to achieve budgeted business volumes.
• Identify prospective business houses, corporates, intermediaries and bankers in the area; establish relationships to maintain pipeline and regular business; ensure sanction for bilateral deals with direct client relations; no syndication.
• Drive process efficiencies and faster TATs through stakeholder relationships across risk and operations; perform high quality credit appraisal; cross-sell PSFG products to potential business groups.
• Maintain high standards of client relationship management; negotiate term sheets, NOCs and pricing; leverage wide sector knowledge for deal structuring.
• Interact with clients to ensure effective customer service standards and satisfaction; support post-disbursement requirements like balance confirmations and NOCs.
• Conduct portfolio reviews and ensure risk management and regulatory compliance; keep policies and documentation up to date; propose process improvements to boost efficiency and reduce cost.

Job description

1. To assist Zonal Head in delivering budgeted sales volumes, profitability and Fee Income in the designated area - To assist Zonal Head in implementing devised Business strategy for the Zone and tap local network to achieve the budgeted business volumes. To identify prospective Business houses, Corporates, Intermediaries & Bankers in the designated area & establish relationships to have a healthy pipeline & regular business.

1. To undertake new client acquisition and establish healthy working relationships with the existing / target Customers at their middle management levels - To identify prospective Business houses, Corporates, Intermediaries & Bankers in the designated area & establish relationships to have a healthy pipeline & regular business. All sanction from bilateral deals with direct client relationship. No syndication /down-sell from other lenders

1. Operational Effectiveness - Drive process efficiencies and faster TATs through strong relationships with stakeholders across processes and functions (Risk, Operations) & direct client relationships. High quality & in-depth credit appraisal. Successful cross-selling of other products ofthe firmto potential business groups.

1. To set high standards of Client Relationship Management - Negotiation of the Term sheets, NOCs, Pricing etc. Wide sector and market knowledge which enables effective deal structuring & term sheet discussions with the customer.

1. To maintain constant interactions with the clients, ensure effective Customer Service standards and superior client satisfaction - To ensure satisfaction for the Portfolio clients & ensure effective servicing for their various requirements from loan processing to information requirements to post disbursement requirements like balance confirmations, NOCs etc.

1. To conduct portfolio review and ensure strong adherence to risk management and regulatory norms and credit policy/process - To be aware of all critical policies, processes & documentation for all the PSFG products & ensure compliance. To revisit existing processes/policies and suggest improvements to improve efficiency w.r.t. cost.

1. To ensure high standards of portfolio management (shared accountability with Risk Management team) –To conduct proactive rigorous post disbursement tracking of clients through site visits, financial & operational performance review etc. To ensure compliance of all critical policies & procedures, documentary and audit requirements for the business proposals and the portfolio on an ongoing basis.