Job Purpose

Create and manage construction fice sales at location to develop new 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 fice against projects

Job Context Major Challenges

Job Context
Key Aspects:
The Construction Fice division caters to the short term and long term funding needs of the developers against project across the country. The product portfolio includes Construction fice against projects and Structured fice 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 indepth 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 ficials are assessed to understand the repayment capability in the near and long term
Providing housing fice (to buyers), Loan against Property, Commercial Property Purchase, Lease Rental Discounting and Construction Fice (to builders) solutions, ABHFL caters to a diverse range of customer segments through its various service offerings. Additionally, being predomitly 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 market
High cost of funding and smaller margins need to be offset by greater business volumes and market share
To constantly evaluate businesses, product segments and geographies we need to be in
To constantly create innovative products and go to market strategies that help grow the business exponentially while ensuring profitability and zero delinquency
To evaluate new business opportunities for creating a differentiated positioning in this competitive housing fice market




All of the above can lead to strong competitive differentiation and enable quicker market penetration and profitable growth
The lending program requires assessing clients on various dimensions, including income, repayment behavior, stability of income/ residence, profile, collateral [valuation, marketability], ownership structure of business and the property and many others.
The role holder is entirely responsible for Relationship building and structuring of all deals and managing the portfolio.

Key Challenges
This is high risk and high return business, highly volatile but secured. Present CF portfolio is approx. 5% of HFC book though contributes approx. 23% of bottom line. CF book is Critical from overall retail home loan business proposition and remain competitive in market.
Number of borrowers may be less but it demands high relationship management skills as projects and customers require day to day monitoring and dealings almost on a weekly basis.
HFC business is diversified in terms of geography and customers, we neither can have bulky exposure on book nor concentration on geographies, thus Construction Fice business in HFC also should be in line with the exiting retail proposition, this requires Onboarding of smaller clients with the same amount of work and quality as in case of large corporate borrower.
Enabling Skill Sets Qualifications
The critical skill sets required to meet these challenges are Building builder relationships, past experience in Real estate debt or equity business, Structuring knowledge, communication presentation skills, strong Real estate market network high customer service orientation.
The education experience required to fulfil this profile are a Post graduate with minimum 4 to 8 yrs of experience in Real estate lending space

Key Result Areas KRA (Accountabilities) (Max 1325 Characters) Supporting Actions (Max 1325 Characters) KRA1 Implement the sales plan for the Construction Fice division, building relationships with developers and identifying areas of opportunity for ABHFL Drive onground sales for the construction fice division by building strong relationships with developers and promoters




Manage direct relationships with key promoters the location to identify and access opportunities for project lending, leverage the existing developer base and Group relationships by building solid relationships with key resources.
Drive an increase in fee based income from real estate developers
Promote crossselling / up selling of group ficial 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 KRA2 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 ficial 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 turnaroundtime
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 KRA3 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 maintece 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

Disclaimer : This job posting has been aggregated from external source. Role detailscontentand availability are subject to change. Applicants are advised to confirm the latest information directly on the company website before applying.

📌 ABHFL - Sr. Relationship Manager - CF (Noida)
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📍 Noida