Piramal - Associate Investment Manager/Senior Analyst - Real Estate Domain

Piramal Capital & Housing Finance Limited (PCHFL), a wholly owned subsidiary of Piramal Enterprises Limited (the flagship company of Piramal Group), is registered as a housing finance company with National Housing Bank (NHB) and engaged in various financial services businesses. It provides both wholesale and retail funding opportunities across sectors. In real estate, the platform provides housing finance and other financing solutions across the entire capital stack such as structured debt, construction finance, flexi lease rental discounting etc.

Purrpose of Job : Responsible for maintaining working relationships with clients and assisting the resolution officer through analysis of financial statements and dedicated monitoring of project progress as well as account.

Essential Qualification - MBA/CA from Premier Institute

Essential Qualification :3 -5+ years of experience in debt restructuring at a reputed Bank/ NBFC/ Private Equity/ ARC / Consulting Firm ( Transaction advisory Division) / IPCs / Investment Banking . Experience in real estate isa must .

Key Roles:

- Scrutinize stress through financial statement analysis, e.g., borrowers financial statements, sales projections, collection analysis etc.

- Assess expected recovery amount from the strategies along with the resolution officer

- Maintain working-level client relationships (e.g., with project CFO, site manager and other clients) and conduct weekly check-ins along with the resolution officer

- Regularly monitor stressed facilities and account through data collection and follow-ups with clients in coordination with the asset monitoring team

- Track sales and collection of the individual projects and asset quality to prevent further slippages, e.g., monitoring borrowers overall financial position and project specific plans

- For all further disbursements and fund usage from collections ensure compliance to the agreed upon construction-linked plan, conditions preceding and conditions subsequent

- Prepare monthly internal review reports for assessment of project progress and efficacy of resolution strategy

- Oversee implementation of key decisions that have an impact on P&L and Balance Sheet

- Support MIS/Finance for managerial and regulatory reporting as needed