Aditya Birla Capital - Relationship Manager - Capital Markets/Corporate & Structured Financing

ADITYA BIRLA FINANCIAL SHARED SERVICES LIMITED - Relationship Manager - Capital Markets, Corporate and Structured Financing

Key Responsibilities:

To source capital market transaction, structure financing, IPO financing for assigned geographical area to ensure achievement of portfolio & bottom line growth targets while minimizing NPAs and achieving NIM and targeted return on equity.
1. Portfolio Growth:
Lead and direct the sourcing capital & structure financing customers to ensure the targeted growth of the portfolio.
- Identify Group/Corporates for financing opportunities.
- Directly build & maintain strong relationship with each & every large/mid corporate to explore funding opportunities.
- Maintain relationship at all levels Promoter/CFO/Finance head to explore various opportunities with Group/Company.
- Build loan book in Corporate/Capital/Structured financing finance through direct origination.
- Understand requirement of client & structure the transaction.
- Participate in structured financing transactions of Large/mid-size companies.
- Grow portfolio while minimizing NPA.
2. Bottomline Growth:
Use appropriate pricing, fees etc. to maximize & grow margins.
- Negotiate best pricing from the client and maximize bottom line.
- Maximize bottom line with combination of fees & interest income.
- Basis client profile and market scenario, price each product right, to maximize the return.
3. Market Intelligence:
Gather market intelligence towards evolving competitive business strategy, policies & processes.
- Gather market intelligence on a regular basis.
- Share the market intelligence with Zonal managers.
- Provide suggestions for improvement in processes, pricing, product, policy, NPA reduction etc to Zonal managers.
4. Control NPA:
Ensure quality of portfolio to control NPAs.
- Ensure high standards of portfolio management, margin regularization, market intelligence for better NPA management.
- Minimize the NPA.
- Keep abreast of the latest developments of exposure & report for any indication of customer defaults, sectoral changes etc.
- Maintain good quality lending book and manage stress/overdues, if any by engaging actively & proactively with all stakeholders.
5. Stakeholder Coordination & Process Adherence:
Coordinate with stakeholder for efficient transaction processing; Ensure 100% adherence to organization processes/policies.
- Smoothly coordinate with all the stakeholders like Operation/Risk/Compliance in the organization for faster and better results.
- Provide inputs to Zonal Manager for Sales MIS.
- Be aware of all critical policies, processes & documentation for all the products.
- Ensure policy/process adherence and documentation.