Job Summary

Job Description - Relationship Manager / Senior Relationship Manager

Role Details

- Business: Aditya Birla Capital
- Unit: Aditya Birla Finance Limited
- Location: Pan India
- Role: Relationship Manager / Senior Relationship Manager
- Department: LAS Insti

Eligibility Criteria

Masters in Finance, 4+ Years of Relevant Experience

Required Skills & Competencies

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

Key Responsibilities

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

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



Use appropriate pricing, fees etc. to maximize and grow margins.
- Negotiate best pricing from the client and maximize bottom line.
- Maximize bottom line with combination of fees and interest income.
- Basis client profile and market scenario, price each product right, to maximize the return.
- Market Intelligence: Gather market intelligence towards evolving competitive business strategy, policies and 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.
- 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 and report for any indication of customer defaults, sectoral changes etc.
- Maintain good quality lending book and manage stress/overdues, if any by engaging actively and proactively with all stakeholders.
- Stakeholder Coordination & Process Adherence: Coordinate with stakeholders for effective 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 and documentation for all the products.
- Ensure policy/process adherence and documentation.

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📌 Relationship Manager - Mid Market LAS Insti - Hyderabad
🏢 Aditya Birla Insulators
📍 Hyderabad