RRH PSFG | Hyderabad

Aditya Birla Capital; Andhra Pradesh; On-site; INR 900,000 - 1,500,000; Full time

Job summary

Aditya Birla Capital Limited in Hyderabad is seeking a Relationship Manager/Senior Relationship Manager to grow the PSFG portfolio and manage key corporate relationships. The role involves supporting the Zonal Head to achieve budgeted sales, profitability and fee income, while ensuring rigorous due diligence, loan documentation and risk controls.

You will actively cross-sell, acquire new clients, and maintain high standards of client servicing across sectors, collaborating with risk, operations,

Qualifications

• Analytical thinking with attention to detail.
• Integrity and strong ethical standards.
• Effective communication and reporting skills.
• Process orientation and innovative mindset.
• Networking and stakeholder management abilities.

Responsibilities

• Assist Zonal Head in delivering budgeted sales volumes, profitability and fee income.
• Support implementation of business strategy to achieve budgeted growth in the Zone.
• Initiate cross-selling initiatives to generate additional revenues.
• Acquire new clients and build relationships with mid-level management.
• Identify prospective corporates and intermediaries to maintain a healthy pipeline.
• Identify cross-sell opportunities and source new customers.
• Set high standards of deal structuring, due diligence and loan documentation.
• Maintain client servicing standards and coordinate with Risk/OPS/Finance/Legal teams.
• Ensure compliance with risk management policies and regulatory norms.

Skills

Analytical thinking

Integrity

Effective communication

Process orientation

Networking

Education

CA

MBA

Job description

ABC Company Info

Aditya Birla Capital Limited (\"ABCL\") is the holding company for the financial services businesses of the Aditya Birla Group. With subsidiaries/JVs that have a strong presence across Protecting, Investing and Financing solutions, ABCL is a financial solutions group that caters to the diverse needs of its customers across their life cycle. Powered by more than 38,000 employees, the businesses of ABCL have a nationwide reach with over 1300 branches, more than 2,00,000 agents/channel partners and various bank partners.

Job Description

Enriching Lives Winning as ONE

ABC Company Info

Aditya Birla Capital Limited (\"ABCL\") is the holding company for the financial services businesses of the Aditya Birla Group. With subsidiaries/JVs that have a strong presence across Protecting, Investing and Financing solutions, ABCL is a financial solutions group that caters to the diverse needs of its customers across their life cycle. Powered by more than 38,000 employees, the businesses of ABCL have a nationwide reach with over 1300 branches, more than 2,00,000 agents/channel partners and various bank partners.

What makes an ideal ABC Citizen?

At ABC, we are constantly on the lookout for individuals who resonate with our 5 core values of Speed, Passion, Integrity, Seamlessness and commitment and live them every day, while also understanding our vision. We believe in building leaders who thrive on challenges, take the onus of creating and sustaining strong teams, and forms strong networks as a result of effective relationship-building.

Role Details

Business

Aditya Birla Capital

Unit

Aditya Birla Capital Limited

Location

Hyderabad

Role

Relationship Manager/ Senior Relationship Manager

Department

Project and Structured Finance Group

Eligibility Criteria

CA/ MBA

Required Skills & Competencies

• Analytical thinking and attention to detail.
• Integrity and strong ethical standards.
• Effective communication and reporting.
• Process orientation and innovative mindset.
• Networking and stakeholder management.

Key Responsibilities

Key Result Areas (Max 1325 Characters)

To assist Zonal Head in delivering budgeted sales volumes, profitability and Fee Income in the designated area

Supporting Actions (Max 1325 Characters)

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.
• 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 prepared and 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 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.
• To resolve issues related to client servicing and co-ordinate with the Risk / OPS/ Finance/ Credit / Legal teams.
• To ensure that he / she is the critical source point of client servicing and generate repeat business opportunity leads from the Customer for 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 compile on a monthly/quarterly basis the monitoring parameters of each client in the portfolio.

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.

Refer the links to know more Growth & Culture at ABC: https://www.adityabirlacapital.com/careers?ref=abc-homepage

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Aditya Birla Capital is committed to provide equal opportunity to all in employment and prohibits discrimination or harassment in any form on the basis of race, colour, religion, ethnicity, age, gender, disability or any other characteristic protected by law. Diversity, Equity and Inclusion (DEI) is embedded in our recruitment policies based on our business needs and candidates meeting the eligibility criteria such as qualification, skills and experience.