Function The Relationship Manager – Construction Finance will be responsible for sourcing, structuring, closing and maintaining high-value wholesale debt transactions for real estate developers. Operating in the Commercial Real Estate (CRE) / Construction Finance space, this role will be act as a primary link between Tier 1/2 developers and internal credit/risk/legal teams to structure tailored lending solutions such as Construction Finance, Inventory Funding, Lease Rental Discounting (LRD), and structured debt.

Objective In depth understanding of real estate industry cycle, project and group cash flows, RERA regulations, DCF modelling, project approvals, legal titles, and mortgage creation.

Key Responsibilities

Deal Sourcing & Business Development:

o Acquire and manage relationships with real estate developers, builders across Delhi NCR.

o Build a solid pipeline of project finance and wholesale funding deals to meet annual AUM and disbursement targets.

o Structure deals including Construction Finance, Last-Mile Funding, Land Financing, and Inventory Loans.

Evaluation & Deal Structuring:

o Assess project viability by evaluating cash flows, micro-market demand, project velocity, approvals, legal/technical parameters and internal credit policy parameters.

o Coordinate with internal Technical, Legal, Credit,



and Risk teams to prepare Assessment Memos (CAM) and secure committee approvals.

o Drive negotiations on term sheets, security structures, cover ratios, and pricing.

Portfolio Monitoring & Risk Management:

o Monitor project progress, construction milestones, and sales velocity prior to releasing tranches/disbursements.

o Track escrow accounts, collection mechanism compliance, and early warning signals to manage risk and maintain zero-NPA standards.

Cross-Selling & Execution:

o Oversee loan and security documentation, mortgage creation, registration, and post-sanction execution.

o Cross-sell related financial products including Home Loans (APF approvals for end-users), Insurance solutions to developer promoters.

Qualifications, Experience and Skills

Education Bachelor’s in Finance/Business; MBA (Finance), CA, or CFA strongly preferred.

Experience 7–10+ years of experience in Real Estate Wholesale Finance, Construction Finance, or CRE Lending at an NBFC, Private Debt Fund, or Commercial Bank.

Key Skills Financial Modelling, Wholesale Structuring, Micro-Market Analysis, Promoter’s Evaluation, High-Stakes Negotiation, and Deal Closing.

Personal Attributes

Negotiation skill

Decision Making

Relationship Building

Competencies

📌 Relationship Manager - Corporate Finance Portfolio Management (Noida)
🏢 PNB Housing
📍 Noida