Regional Relationship Head - Project Finance (For a leading NBFC)

Forward; Mumbai City; On-site; INR 3,000,000 - 5,200,000; Full time

Job summary

Forward is seeking a Regional Relationship Head - Project Finance for Lower Parel, Mumbai. You will assist the Zonal Head in delivering budgeted sales volumes, profitability and fee income in the designated area.

You will identify prospective corporate clients, build and maintain relationships across their management layers, and lead cross-selling of banking products while ensuring strict compliance with risk policies and loan documentation norms.

Qualifications

• MBA required (batch 2015 or earlier).
• Experience in project finance and lending to corporates.
• Strong networking with middle to senior management.
• Ability to tap local network to achieve budgets.
• Experience in cross-selling of financial products.
• Knowledge of credit appraisal, due diligence and loan documentation.
• Adherence to risk management and regulatory norms.

Responsibilities

• Assist Zonal Head in achieving budgeted volumes, profitability and fee income.
• Identify prospective business houses and establish relationships to build pipeline.
• Cross-sell alternate products and generate new business opportunities.
• Ensure deal structuring, due diligence and proper loan documentation.
• Uphold risk management, policy compliance and regulatory norms.
• Monitor portfolio through post-disbursement tracking and collections.

Skills

Relationship management

Business development

Cross selling

Deal structuring

Credit appraisal

Due diligence

KYC documentation

Regulatory compliance

Education

MBA degree

Job description

Job description:

One of our clients; a leading NBFC with a strong presence across India, offering a diverse range of lending and financial solutions to individuals, businesses and institutions. They are looking to hire Regional Relationship Head - Project Finance for Lower Parel, Mumbai location.

Role & responsibilities:

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 / Net Interest Income / Fees / Asset Book etc.
• To initiate cross selling initiatives for generating additional revenues.

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.
• As all PSFG clients are large corporate houses, it is important for PSFG to ensure that PSFGs relationship with the Customer is established across the Customers hierarchy from Promoter to CFO to Senior Management to Mid Management to Operating level. Such strong relationships help not just in sourcing good business opportunities but also in Collections, in case of any adverse financial position of the Customer. SRM should constantly engage with existing / target customers at their middle management to operating levels and Build long term & sustainable business relationship to identify their latent / express needs on funding requirements and generate leads for PSFG. Such strong relationships help not just in sourcing good business opportunities but also in effective post-disbursement monitoring & Collections (in case of any adverse financial position of the Customer).
• To use alternate products/ cross sell product offerings to activate inactive customers and source new customers into the system.

To set high standards of Deal Structuring, Due Diligence& Loan Documentation:

• To have strong sectoral and product knowledge which enables effective deal structuring & term sheet discussions with the customer.
• To conduct detailed due diligence, analysis, evaluation of the deal thereby resulting in high quality appraisal.
• To ensure that Credit Appraisal Memorandums are sent for approval as per Standard Risk Norms.
• To work closely with Legal team to ensure that the loan documentation is closed with the customers to the satisfaction of PSFG.

To ensure strong adherence to risk management and regulatory norms and credit policy/process adherence, conduct portfolio review:

• To be aware of all critical policies, processes & documentation for all the PSFG products & ensure compliance
• To undertake documentation and KYC formalities for the customers in a seamless manner while managing good TATs
• To revisit existing processes/policies and suggest improvements to improve efficiency/cost effectiveness
• To keep up breast of the latest developments in the local market & report for any indication of customer defaults, sectoral changes etc.

To ensure high standards of portfolio management (shared accountability with Risk Management team) Reviews, Collections, Monitoring, & Stress Asset Management (NPA):

• 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
• To maintain good quality lending book and manage stress / overdues (if any) by engaging actively & proactively with all stakeholders.

Preferred candidate profile:

• MBA pass out batch 2015 or before