Relationship Manager - Construction Finance - Pune

Job Overview

This role involves executing sales strategies and cultivating strong partnerships with property developers to boost the construction finance business at Aditya Birla Capital in Pune. The Relationship Manager will capitalize on existing developer networks and group connections to grow fee-based revenue, cross-sell financial products, and gather vital market information supporting project evaluation.

Key Responsibilities

• Drive on-ground sales efforts in the construction finance segment by fostering robust ties with developers and promoters.
• Enhance engagement with current developers and leverage group relationships, including entities like AMC Real Estate PE, ABMM, and Ultratech.
• Increase fee-generated income from real estate developers.
• Facilitate cross-selling and upselling of group financial products, notably expanding scale through the home loan business channel.
• Collect timely, precise, and relevant market data and feedback to guide project viability decisions.
• Deliver exceptional customer service and articulate a compelling value proposition while adhering to internal risk guidelines.
• Develop a deep understanding of client needs and project specifics, including technical and financial elements.
• Customize deal structures within internal parameters to align with customer requirements.
• Manage initial risk processes by preparing documentation, conducting risk assessments, and coordinating with credit teams.
• Collaborate with risk and operations departments to evaluate and approve loan applications while ensuring prompt customer service and turnaround times.
• Maintain regular communication with clients to address concerns and uphold high satisfaction levels.
• Oversee account renewals to sustain ongoing client relationships.
• Ensure compliance with internal risk controls and regulatory standards throughout the lending cycle.
• Monitor asset quality and closely track delinquencies to minimize non-performing assets (NPA).
• Continuously track key project and developer metrics to mitigate risks.
• Stay informed on local market dynamics and risk factors to inform lending decisions for new and existing loans.