Relationship manager - CF - Pune

Implement the sales plan and building relationships with developers and identifying areas of opportunity for ABFL

• Drive on-ground sales for the construction finance division by building strong relationships with developers and promoters
• Leverage the existing developer base and Group relationships by building strong relationships with key resources. Eg. AMC real estate PE, ABMM , Ultratech etc.
• Drive an increase in fee based income from real estate developers
• Promote cross-selling / up selling of group financial product offerings and utilize them as value differentiators e.g. the home loan business is a big opportunity for creating scale through this channel.
• Source timely, accurate, quality and pertinent information and data primarily through market research/ feedback to assist in decision making of viability of project

Build superior customer service levels and a strong value proposition while ensuring compliance to internal risk parameters

• Gain a thorough understanding of customer needs and requirements
• Understand the technical and financial aspects of projects including project size, progress and risk factors
• Structure customized deals as per internal parameters and suit customer requirements
• Oversee the initial stages of the risk management process, collating the necessary documentation, carrying out preliminary risk assessments and forwarding the files to the credit team
• Coordinate with the risk and operations teams to evaluate and approve loan applications, while maintaining customer service levels including turn-around-time
• Communicate with customers on a periodic basis, identifying and addressing their issues so as to maintain high levels of customer satisfaction
• Manage the account renewal process, ensuring continuing relationships with key customers

Ensure compliance to internal risk parameters and monitor the health of customer accounts on a periodic basis to minimize risk and potential delinquencies

• Ensure that internal risk parameters and external regulatory norms are followed at all points in the lending process
• Ensure the maintenance of acceptable asset quality of CF loans track delinquencies closely so as to minimize NPA levels
• Ensure that key parameters related to projects and developers are monitored closely on a continuous basis, so as to mitigate potential risk factors
• Understand local currents and risk factors, providing an input to take decisions on new and existing loans