Job Purpose

Create and manage construction finance sales at location to develop current relationships and manage key account relationships directly with the promoters, participating in the negotiation process and ensuring compliance of lending terms with internal and regulatory risk management norms. The product portfolio includes structured loans to developers and construction finance against projects

Job Context & Major Challenges

Job Context

Key Aspects

The Construction Finance division caters to the short term and long term funding needs of the developers against project across the country. The product portfolio includes Construction finance against projects and Structured finance against committed cash flow of developers. The role holder is entirely responsible for Relationship building and structuring of all deals and managing the portfolio.

Loan approvals entail a good mix of profile checks, balance sheet lending and collateral assessment. An in-depth understanding of the customers business model, customers & suppliers,



success factors and dependencies needs to be taken into account given these are long term exposures [ranging upto 15 – 20 years]. The financials are assessed to understand the repayment capability in the near and long term

Providing housing finance (to buyers), Loan against Property, Commercial Property Purchase, Lease Rental Discounting and Construction Finance (to builders) solutions, ABHFL caters to a diverse range of customer segments through its various service offerings. Additionally, being predominantly retail driven, the business is characterized by high volume of loan transactions and customer relationships. As a result, ABHFL business performance is strongly impacted by people, process and organizational efficiencies, alongside core business drivers such as product/ solution quality, channel and customer relationship management and risk management.

Creating a differentiated proposition will be key in this highly competitive marke

📌 ABHFL - Sr. Relationship Manager - CF - NOIDA (India)
🏢 Aditya Birla Capital
📍 India