Regional Sales Head - Construction Finance - Hyderabad

Role Overview

As the Regional Sales Head for the Construction Finance division, you will be responsible for executing the sales strategy, nurturing developer relationships, and identifying growth opportunities across segments for Aditya Birla Capital in Hyderabad.

Key Responsibilities

• Drive direct sales activities by establishing robust ties with real estate developers.
• Expand the construction finance portfolio by sourcing deals aligned with company guidelines.
• Optimize product mix between vanilla and structured products to enhance net interest margin and portfolio performance.
• Manage portfolio quality closely through detailed oversight of accounts and relationships.
• Identify and engage new clients to broaden the customer base horizontally.
• Promote cross-selling and upselling of the group's financial offerings, leveraging products like home loans to scale business via this channel.
• Gather accurate, timely, and relevant market data through research and feedback to inform project viability decisions.
• Monitor competitive activity on portfolio and product fronts.
• Forge strong connections with intermediaries, IPCs, local Chartered Accountants, and other channel partners.

Customer Service and Risk Compliance

• Deeply understand clients' needs and requirements.
• Evaluate technical and financial project details including size, progress, and associated risks.
• Structure customized deals that comply with internal guidelines and fulfill customer needs.
• Manage initial risk assessment phases by organizing documentation and coordinating with the credit team.
• Liaise with risk and operations teams to review and approve loan applications while maintaining service standards and turnaround times.
• Maintain regular communication with customers to address concerns and enhance satisfaction.
• Oversee account renewals to ensure sustained relationships with key customers.

Risk Management and Portfolio Health

• Ensure adherence to internal risk guidelines and external regulatory requirements throughout lending processes.
• Maintain acceptable asset quality by closely tracking loan delinquencies to reduce NPAs.
• Continuously monitor project and developer parameters to detect and mitigate risks early.
• Understand local market dynamics and risk elements, contributing insights for decisions regarding new and existing loans.