Relationship manager - CF - Pune

Aditya Birla Capital; Maharashtra; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Aditya Birla Capital is seeking a high-impact sales professional to drive on-ground construction finance sales by building strong relationships with developers and promoters. You will leverage the Group's relationships to increase fee-based income and cross-sell housing and related financial products.

Responsibilities include sourcing market information, assessing project viability, coordinating with risk teams, and ensuring customer satisfaction while maintaining risk controls.

Qualifications

• Experience in construction finance and lending processes.
• Ability to structure customized deals per internal parameters.
• Strong communication and negotiation skills.

Responsibilities

• Drive on-ground sales for construction finance by building relationships with developers.
• Promote cross-selling and up-selling of group financial products; leverage home loan opportunities.
• Coordinate with risk and operations teams to evaluate and approve loan applications while maintaining service levels.
• Source market information and feedback to assess project viability and inform decisions.

Skills

Relationship building

Sales planning

Market research

Cross-selling

Job description

Max 1325 Characters) Supporting Actions (Max 1325 Characters)

Key Result Areas (Max 1325 Characters) Supporting Actions (Max 1325 Characters) Implement the sales plan and building relationships with developers and identifying areas of opportunity for ABFL

• Drive on-ground sales for the construction finance division by building strong relationships with developers and promoters
• Leverage the existing developer base and Group relationships by building strong relationships with key resources. Eg. AMC real estate PE, ABMM , Ultratech etc.
• Drive an increase in fee based income from real estate developers
• Promote cross-selling / up selling of group financial product offerings and utilize them as value differentiators; e.g. the home loan business is a big opportunity for creating scale through this channel.
• Source timely, accurate, quality and pertinent information and data primarily through market research/ feedback to assist in decision making of viability of project

Build superior customer service levels and a strong value proposition while ensuring compliance to internal risk parameters

• Gain a thorough understanding of customer needs and requirements
• Understand the technical and financial aspects of projects including project size, progress and risk factors
• Structure customized deals as per internal parameters and suit customer requirements
• Oversee the initial stages of the risk management process, collating the necessary documentation, carrying out preliminary risk assessments and forwarding the files to the credit team
• Coordinate with the risk and operations teams to evaluate and approve loan applications, while maintaining customer service levels including turn-around-time
• Communicate with customers on a periodic basis, identifying and addressing their issues so as to maintain high levels of customer satisfaction
• Manage the account renewal process, ensuring continuing relationships with key customers

Ensure compliance to internal risk parameters and monitor the health of customer accounts on a periodic basis to minimize risk and potential delinquencies

• Ensure that internal risk parameters and external regulatory norms are followed at all points in the lending process
• Ensure the maintenance of acceptable asset quality of CF loans; track delinquencies closely so as to minimize NPA levels
• Ensure that key parameters related to projects and developers are monitored closely on a continuous basis, so as to mitigate potential risk factors
• Understand local currents and risk factors, providing an input to take decisions on new and existing loans