SRM PSFG | Hyderabad

Birla Carbon; Hyderabad; On-site; INR 600,000 - 1,200,000; Full time

Job summary

Birla Carbon is hiring a Relationship Manager/Senior Relationship Manager in Hyderabad. The position involves assisting in budgeted sales and profitability, acquiring new clients, and maintaining relationships with existing customers. Ideal candidates should have a CA/MBA, strong analytical skills, and a proactive communication approach. A commitment to ethical practices and attention to detail are essential. Birla Carbon promotes diversity and equal opportunity in its hiring practices.

Qualifications

• CA or MBA degree required.
• Strong analytical skills and attention to detail.
• Excellent communication abilities.

Responsibilities

• Assist Zonal Head in achieving sales volumes and profitability.
• Develop and manage relationships with existing and target customers.
• Conduct due diligence and credit appraisal for loan documentation.

Skills

Analytical thinking

Attention to detail

Effective communication

Networking

Education

CA/MBA

Job description

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

Designation :

Job Description:

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 200,000 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 form strong networks as a result of effective relationship-building.

Business

Unit

Location

Role

Relationship Manager/ Senior Relationship Manager

Department

Project and Structured Finance Group

Eligibility Criteria

CA/ MBA

• 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)

Supporting Actions (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 & 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.

• As all PSFG clients are large corporate houses, it is important for PSFG to ensure that 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. 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 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.

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.