Area Manager - Commercial Lending

Job description

Job Purpose 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 200 Cr). Experience in handling Corporate client relationships is preferred • 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 clients 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 200 Cr) • Basic understanding of working capital and term lending products • Flair and ability to evaluate business opportunities • Relationship building and networking s • Strong communications and presentation s • Ability to get a given assignment/ job completed within the stipulated timeline