Regional Relationship Head - Project & Structured Finance

Required Skills & Competencies:

• Analytical thinking and attention to detail.
• Integrity and strong ethical standards.
• Effective communication and reporting.
• Process orientation and innovative mindset.
• Networking and stakeholder management.
• Ability to conduct training and awareness sessions.

Key Responsibilities:

1. Sales and Profitability:

• To assist Zonal Head in delivering budgeted sales volumes, profitability and Fee Income in the designated area.
• To assist Zonal Head in implementing devised Business strategy for the Zone and tap local network to achieve the budgeted business volumes.
• To identify prospective Business houses, Corporates, Intermediaries & Bankers in the designated area & establish relationships to have a healthy pipeline & regular business.

2. Client Acquisition:

• To undertake new client acquisition and establish healthy working relationships with the existing / target Customers at their middle management levels.
• To identify prospective Business houses, Corporates, Intermediaries & Bankers in the designated area & establish relationships to have a healthy pipeline & regular business.
• All sanction from bilateral deals with direct client relationship.
• No syndication / down-sell from other lenders.

3. Operational Effectiveness:

• Drive process efficiencies and faster TATs through strong relationships with stakeholders across processes and functions (Risk, Operations) & direct client relationships.
• High quality & in-depth credit appraisal.
• Successful cross-selling of other products of ABFL/ABC to potential business groups.

4. Client Relationship Management:

• To set high standards of Client Relationship Management - Negotiation of the Term sheets, NOCs, Pricing etc.
• Wide sector and market knowledge which enables effective deal structuring & term sheet discussions with the customer.

5. Customer Service:

• To maintain constant interactions with the clients, ensure effective Customer Service standards and superior client satisfaction.
• To ensure satisfaction for the Portfolio clients & ensure effective servicing for their various requirements from loan processing to information requirements to post disbursement requirements like balance confirmations, NOCs etc.

6. Risk Management and Compliance:

• To conduct portfolio review and ensure strong adherence to risk management and regulatory norms and credit policy/process.
• To be aware of all critical policies, processes & documentation for all the PSFG products & ensure compliance.
• To revisit existing processes/policies and suggest improvements to improve efficiency w.r.t. cost.

7. Portfolio Management:

• To ensure high standards of portfolio management (shared accountability with Risk Management team).
• To conduct proactive rigorous post disbursement tracking of clients through site visits, financial & operational performance review etc.
• To ensure compliance of all critical policies & procedures, documentary and audit requirements for the business proposals and the portfolio on an ongoing basis.