RRH PSFG | Hyderabad

Aditya Birla Capital; Andhra Pradesh; On-site; INR 700,000 - 1,200,000; Full time

Job summary

Aditya Birla Capital is looking for a Relationship Manager/Senior Relationship Manager for their Project and Structured Finance Group in Hyderabad. The ideal candidate will hold a CA or MBA and possess strong analytical skills and ethical standards, focusing on client acquisition and maintaining relationships with corporates. Responsibilities include delivering budgeted sales, implementing business strategies, and conducting due diligence to ensure high-quality appraisal. Candidates should be proactive and have a knack for networking.

Qualifications

• CA or MBA degree.
• Strong analytical and communication skills.
• High adherence to ethical standards.

Responsibilities

• Assist Zonal Head in achieving sales and profitability.
• Implement business strategies and maintain relationships.
• Conduct due diligence and ensure documentation standards.

Skills

Analytical thinking

Effective communication

Process orientation

Networking

Integrity

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

What makes an ideal ABC Citizen?

At ABC, we look for individuals who resonate with our 5 core values of Speed, Passion, Integrity, Seamlessness and Commitment and live them daily, while understanding our vision. We believe in building leaders who thrive on challenges, take on the responsibility of creating and sustaining strong teams, and form strong networks through 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.

• 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 and establish relationships to maintain a healthy pipeline & regular business.
• As all PSFG clients are large corporate houses, ensure PSFG’s relationship with the customer is established across the customer’s hierarchy from promoter to CFO to senior management to mid management to operating level. Build long-term & sustainable business relationships to identify latent/express funding needs and generate leads for PSFG. Engage with customers at middle to operating levels and support post-disbursement monitoring & collections where required.
• Use alternate products / cross-sell offerings to activate inactive customers and source new customers.

To set high standards of deal structuring, due diligence & loan documentation.

• Strong sectoral and product knowledge enabling effective deal structuring & term sheet discussions.
• Conduct detailed due diligence, analysis, and evaluation of the deal resulting in high-quality appraisal.
• Ensure Credit Appraisal Memorandums are prepared and sent for approval as per Standard Risk Norms.
• Work closely with Legal team to ensure loan documentation is closed to the satisfaction of PSFG.

To maintain constant interactions with clients, ensuring effective customer service standards and superior client satisfaction.

• Ensure satisfaction for portfolio clients and service their requirements from loan processing to post-disbursement needs like balance confirmations, NOCs, etc.
• Resolve issues related to client servicing and coordinate with Risk / OPS / Finance / Credit / Legal teams.
• Act as a critical source point for 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, and conduct portfolio reviews.

• Be aware of all critical policies, processes & documentation for PSFG products and ensure compliance.
• Undertake documentation and KYC formalities for customers in a seamless manner while managing good TATs.
• Revisit existing processes/policies and suggest improvements to improve efficiency/cost effectiveness.
• Stay updated on local market developments and report any indication of customer defaults or sectoral changes.
• Compile monthly/quarterly monitoring parameters for each client in the portfolio.

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

• Conduct proactive post-disbursement tracking of clients through site visits and performance reviews.
• Ensure compliance with critical policies & procedures and audit requirements for the portfolio.
• Maintain a quality lending book and manage stress/overdues by engaging with all stakeholders.

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

Stay updated with Life at ABC:

• Follow our LinkedIn Page: https://www.linkedin.com/company/aditya-birla-capital
• Browse our Glassdoor Reviews: https://shorturl.at/fJKQ0

Disclaimer

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.

Important

• Aditya Birla Capital and its member companies do not demand or accept money from job applicants.
• Any job offer made against a service charge or security deposit or processing fees or background verification expenses or any other terms, whether refundable or non-refundable should be considered fake.
• An authentic job offer mail from us will have our domain name (adityabirlacapital.com).
• Please verify email IDs and beware of fraudsters using fake URLs to mask themselves as senders from reputed organisations.
• If offered a job against payment or if you have accepted employment from fraudulent persons, Aditya Birla Capital and its member companies will not be held liable.
• Remain vigilant and notify us if you encounter such offers; you may also lodge a complaint with law enforcement agencies.
• Be wary of fake websites, email IDs, and social media pages that imitate ours.
• We reserve the right to take appropriate action as we deem fit.