Area Manager - Commercial Lending/Senior Area Manager

To manage existing client base and to add more clients. Maintaining quality of the asset book managed by self

 

 

Duties and Responsibilities
Source New to Bajaj relationships for Commercial Emerging Corporate Business (Turnover Build a diversified portfolio offering revenues from Assets NII, Fees, Cross sell etc. Asset opportunities to be sourced aligned to the lending norms as prescribed.
Appraise financial strength of client, advise and structure the facility meeting client s requirement and fitting within policy parameters.
Strong focus on Credit quality. Thorough monitoring of accounts sourced, keep track on customer business and report any early warning signals and take appropriate actions as identified. Build a Portfolio which is strong and non-delinquent.
Regular tracking of progress on the agreed key metrics towards delivering on the strategy.
Track developments in the respective markets and provide feedback to the management team.
Stakeholder management - Coordination with internal as well as external stakeholders

 

 

Key Decisions / Dimensions
Following decisions are taken by the role:
Key contributor to solution discussion of Use Cases
Identification of Use Cases to onboard LOBs and drive Rewards platform adoption
Ensuring proper record maintenance of PRD, test cases and product documentation

 

 

Major Challenges
Client management - Managing various clients from various industries
Ensuring pristine credit quality

 

 

Required Qualifications and Experience
a) Qualifications
CA / MBA Finance from a reputed institute preferred.
b) Work Experience
Candidate needs to have an overall experience of more than 3 years in a Emerging Corporate - RM role with a reputed Bank / NBFC would be preferred
He must have exposure in lending to Emerging Corporate clients (Companies with revenue Basic understanding of working capital and term lending products
Flair and ability to evaluate business opportunities
Relationship building and networking skills
Strong communications and presentation skills
Ability to get a given assignment/ job completed within the stipulated timeline