Relationship Manager/Senior Relationship Manager - Construction Finance - Real Estate

Urgently hiring for IM/CF profile for one of the NBFC firm in Bangalore location

Job Description:

Title : RM / Sr RM

Function: Mortgages

Department: Institutional Mortgage

Reporting To (Title): Regional Sales Manager - Institutional Mortgage

Location : Bangalore

Experience : 2 - 8 Years

Roles & Responsibilities :

[Note - We're looking for the person whose experience preferred into Institutional Mortgage (like Schools, Hospitals, Hotels etc.), Construction Finance, Developer Finance, Project Finance, Real Estate Finance, Corporate Finance, Structured Finance etc. OR into HL & LAP products but ticket size should be more than Min 20Cr]

- To increase Institutional Mortgage businesses through continuous product/service innovation, creating a superior value proposition & implementing brand building strategies.

- To ensure the end to end management of mortgage transactions with superior product delivery and to monitor the credit quality of new acquisitions.

- To ensure sustainable and predictable net book growth driven by granular loan book, high revenue and fee income

- Multiple products: Structured & customized term loan in the form of LAP, LRD, Construction finance and inventory financing. Cross Selling of ABFSG products and Syndication.

- Varied customers range: Large & Mid Corporate, SME, MSMEs, Ultra HNIs/HNI

- Multi Sourcing channel: Direct, Investment Bankers, National Alliances, Internal Channel, Financial Consultants, Cas

- Wide ranging Ticket Size: INR 20 Cr going up to INR 200 crore per customer, the widest range in this industry.

Business challenges :

- Larger number of variables: Economic situation, Industry and Corporate Performance, investor sentiments etc.

- Finite market size

- Competitive dynamics: Over two dozen leading NBFCs (Foreign and Domestic), Private & Foreign Banks create fierce competition. Entry of new players and exit of few existing ones continue to add to the dynamism of the market.

- Managing and monitoring quality of cash flows and security in the light of ever dynamic situation.

- Restore & rebuild: Given the sizable portion of portfolio in the nature of short term in the nature, the loan book needs to be restored every month and virtually rebuilt every 6 months.

- The education & experience this profile requires is a qualification of Chartered Accountant or Post Graduate Degree or an MBA with minimum 3 - 5 years of experience for Relationship Manager and 5 - 8 years of experience for Senior Relationship Manager position.