1) Job Purpose:

Write the purpose for which the job exists (in 23 lines)

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

2) Dimensions:

Mention quantitative or qualitative parameters that are relevant for the job and provide a better understanding of the scope and scale of the job.

Business Workforce Number

Unit Workforce Number

Function Workforce Number

Department Workforce Number

Other Quantitative and Important Parameters for the job: Budgets/ Volumes/No. of Products/Geography/ Markets/ Customers or any other parameter

3) Job Context Major Challenges: Write the specific aspects of the job that provide a challenge (internal and external) to the jobholder in the context of the Business / Unit / Function / Department / Section

Organizational 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.

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.

In construction fice, underwriting focuses not on the balance sheet but significantly on the project and the promoter group. Assessment here involves understanding the previous track record of the builder in terms of quality and timeliness of completion,



saleability of projects, track record with other lenders and no. of projects delivered in the past. Project monitoring and end use of funds disbursed are critical here given risks around funds being used elsewhere, sale receivables not coming to the lender as a repayment and so on. Prudent customer selection is critical and is highly dependent on a relationship manager s market awareness and client background information.

Mortgage lending encompasses a wide variety of ficing solutions for clients, ranging from vanilla Home Loans and Loan against property, to more complex Lease Rental discounting, Commercial Purchase and Construction Fice lending. Ficing solutions are provided to SelfEmployed [professionals/ nonprofessionals/ salaried] against a wide array of lending programs, each of which aims to estimate the client s repayment capability accurately before the company to take an exposure.

Loan approvals entail a good mix of profile checks, balance sheet lending and collateral assessment. An indepth understanding of the customer s 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 cutting-edge 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

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

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