Relationship manager - CF - Pune

Aditya Birla Group; Pune District; On-site; INR 600,000 - 800,000; Full time

Job summary

Birla Carbon is seeking a Relationship Manager in Pune to implement sales plans and strengthen relationships with developers. You will drive sales for the construction finance division and ensure compliance with internal risk parameters.

The ideal candidate has over 5 years of experience in sales and customer management, understanding both technical and financial aspects of projects. The position offers an opportunity to work in a dynamic environment focused on building lasting client relationships.

Qualifications

• 5+ years of experience in sales or relationship management.
• Strong understanding of financial products and lending procedures.
• Proven ability to build and maintain client relationships.

Responsibilities

• Implement sales plans and build relationships with developers.
• Drive sales for the construction finance division.
• Ensure compliance to internal risk parameters.

Skills

Sales Skills

Customer Relationship Management

Market Research

Risk Assessment

Communication Skills

Education

Bachelor's degree in Finance or related field

Job description

Relationship manager - CF - Pune

At the Aditya Birla Group, our Corporate Vision is aligned and intricately woven with our People Vision.

Job Description:

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