Regional Manager - Commercial Lending

Job Purpose


This position is open with Bajaj Finance ltd.Culture Anchor:Think like an Entrepreneur - Encourages new ideas, helps teams improve, and supports them in taking up challengesPractice Emotional Intelligence - Listens to others, stays calm under pressure, and treats everyone with respect.Transform Continuously - Explores opportunities and encourages teams to improve processes and systems for better delivery.Own it - Ensures teams achieve targets, drives capability building and inculcates a sense of accountability in the team.

Duties and Responsibilities


Required qualification and experience and Job Profile :Educational Professional Qualifications and Skills:

CA / MBA Finance from a reputed institute.

Candidate needs to have an overall experience of 5-7 years

Required Qualifications and Experience


Required qualification and experience and Job Profile :Educational Professional Qualifications and Skills:

CA / MBA Finance from a reputed institute.

Candidate needs to have an overall experience of 5-7 years, of which a minimum 3 years of experience in a Mid Corporate - RM role with a reputed Bank / NBFC.

Candidate must have exposure in lending to Mid Corporate clients (Companies with revenue between Rs.200 crs Rs.2000 crs).

Candidate would be responsible for active market coverage of prospective clients to achieve new client acquisition goals to generate new and incremental margin and fee-based revenue

Must have experience in commercial credit matters, should be able to read, interpret, and understand financial statements and credit quickly.

Preparing financial models, appraisal notes for the internal approvals. Roles and Responsibilities:

Sourcing of corporates with turnover from Rs 200 crores to Rs 2000 crores for funding their working capital as well as capex needs through various channels.

Negotiating terms of the relationship with the client

Undertaking credit analysis of corporate clients from a lending perspective, structuring the products as per the requirement and

Preparing financial models, appraisal notes for the internal approvals.

Scoping, Budgeting and account planning for the relationships handled and targeted.

Deepening of relationships with existing clients, exploring enhancement opportunity and achieving quarterly sales targets for existing clients.

Increase the wallet share with the customer by constantly exploring opportunities to cross sell other products offered by the Bajaj Finance.

Coordinating between the client and different stakeholders for disbursement and security perfection.

Monitoring and reviewing existing facilities to ensure compliance of post sanction terms and disbursement.

Thorough monitoring of accounts sourced, keep track on customer business and report any early warning signals and take appropriate actions as identified.

Regular tracking of progress on the agreed key metrics towards delivering on the strategy.

Maintain NIL delinquency in the accounts sourced.