Key Responsibilities1. Business Development & Sourcing

Source LRD business through direct sourcing, DSAs, brokers, developers, and corporate relationships.
Identify high-potential commercial/retail properties generating rental income for LRD propositions.
Drive monthly sales targets with consistent new client acquisition.

2. Client Relationship Management

Build and maintain strong relationships with property owners, SMEs, corporates, and real estate stakeholders.
Understand client requirements, assess eligibility, and propose suitable LRD solutions.
Manage negotiations on pricing, tenure, and structure with clients.

3. Credit & Property Assessment

Coordinate with credit teams for financial analysis, cash flow assessment, and rental income validation.
Conduct preliminary assessments of property title, tenancy agreements, lease lock-in periods, and cash-flow stability.
Ensure property valuation, legal checks, and technical evaluations are completed accurately.

4. Deal Structuring & Execution

Prepare deal proposals and submit complete files for credit approval.




Ensure high-quality processing of applications within the defined TAT.
Liaise with legal, technical, operations, and credit teams to ensure smooth disbursement.

5. Market Intelligence & Portfolio Quality

Track market trends in commercial leasing, rentals, and property yields.
Continuously monitor the LRD portfolio to ensure healthy asset quality.
Identify risks and flag potential issues in client profiles, rental dependencies, or property documentation.

Required Qualifications & Experience

Graduate / Postgraduate in Finance, Business, or related fields.
5–10 years of experience in LRD, LAP (Lease Against Property), Commercial Mortgage, or Secured Lending.
Proven track record of achieving sales targets in secured lending.
Strong understanding of commercial real estate, rental agreements, and lease structures.

Key Skills

Robust sales and business development ability
Knowledge of LRD underwriting basic

📌 Lead - LRD Business (India)
🏢 ABC - Aditya Birla Housing Finance
📍 India