Job Summary

Job Description Relationship Manager / Senior Relationship Manager

Enriching Lives Winning as ONE

Eligibility Criteria

- Masters in Fice, 4+ Years of Relevant Experience

Location

Pan India

Role

Relationship Manager / Senior Relationship Manager

Department

LAS Insti

Required Skills & Competencies

- PAN India Book size: 5821 cr FY24
- NPA: Although there is a strong focus on regular client management and attempt for NIL NPAs
- Product Line LAS transactions, structure ficing, special Situation ficing including IPO fice, Acquisition Fice, Cash flow and hard collateral based funding to small and midsize corporates for assigned geographical areas
- Customers Category:
- Promoter Investment Companies
- Operating Companies
- Super HNIs
- Stock Brokers
- NBFCs / MFIs.

Key Responsibilities

To source capital market transaction, structure ficing, IPO ficing for assigned geographical area to ensure achievement of portfolio & bottom line growth targets while minimizing NPAs and achieving NIM and targeted return on equity.

- 1. Portfolio Growth Lead and direct the sourcing capital & structure ficing customers to ensure the targeted growth of the portfolio
- Identify Group/Corporates for ficing opportunities.
- Directly build & maintain strong relationship with each & every large/mid corporate to explore funding opportunities.
- Maintain relationship at all levels Promoter/CFO/Fice head to explore various opportunities with Group/Company.
- Build loan book in Corporate/Capital/Structured ficing fice through direct origination.
- Understand requirement of client & structure the transaction.
- Participate in structured ficing transactions of Large/midsize companies.
- Grow portfolio while minimizing NPA.

- 2. Bottomline Growth Use appropriate pricing, fees etc.



to maximize & grow margins
- Negotiate best pricing from the client and maximize bottom line.
- Maximize bottom line with combination of fees & interest income.
- Basis client profile and market scenario, price each product right, to maximize the return.

- 3. Market Intelligence Gather market intelligence towards evolving competitive business strategy, policies & processes
- Gather market intelligence on a regular basis.
- Share the market intelligence with Zonal managers.
- Provide suggestions for improvement in processes, pricing, product, policy, NPA reduction etc to Zonal managers.

- 4. Control NPA Ensure quality of portfolio to control NPAs
- Ensure high standards of portfolio management, margin regularization, market intelligence for better NPA management.
- Minimize the NPA.
- Keep abreast of the latest developments of exposure & report for any indication of customer defaults, sectoral changes etc.
- Maintain positive quality lending book and manage stress/overdues, if any by engaging actively & proactively with all stakeholders.

- 5. Stakeholder Coordination & Process Adherence Coordinate with stakeholder for efficient transaction processing; Ensure 100% adherence to organization processes/policies
- Smoothly coordinate with all the stakeholders like Operation/Risk/Compliance in the organization for faster and better results.
- Provide inputs to Zonal Manager for Sales MIS.
- Be aware of all critical policies, processes & documentation for all the products.
- Ensure policy/process adherence and documentation.

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📌 Senior Relationship Manager (New Delhi)
🏢 Aditya Birla Insulators
📍 New Delhi