Relationship manager - CF - Pune

Job description

**Key Result Areas (** **Max 1325 Characters)** Supporting Actions (Max 1325 Characters) Implement the sales plan and building relationships with developers and identifying areas of opportunity for ABFL - Drive on-ground sales for the construction finance division by building strong relationships with developers and promoters - Leverage the existing developer base and Group relationships by building strong relationships with key resources. Eg. AMC real estate PE, ABMM , Ultratech etc. - Drive an increase in fee based income from real estate developers - Promote cross-selling / up selling of group financial product offerings and utilize them as value differentiators; e.g. the home loan business is a big opportunity for creating scale through this channel. - Source timely, accurate, quality and pertinent information and data primarily through market research/ feedback to assist in decision making of viability of project Build superior customer service levels and a strong value proposition while ensuring compliance to internal risk parameters - Gain a thorough understanding of customer needs and requirements - Understand the technical and financial aspects of projects including project size, progress and risk factors - Structure customized deals as per internal parameters and suit customer requirements - Oversee the initial stages of the risk management process, collating the necessary documentation, carrying out preliminary risk assessments and forwarding the files to the credit team - Coordinate with the risk and operations teams to evaluate and approve loan applications, while maintaining customer service levels including turn-around-time - Communicate with customers on a periodic basis, identifying and addressing their issues so as to maintain high levels of customer satisfaction - Manage the account renewal process, ensuring continuing relationships with key customers Ensure compliance to internal risk parameters and monitor the health of customer accounts on a periodic basis to minimize risk and potential delinquencies - Ensure that internal risk parameters and external regulatory norms are followed at all points in the lending process - Ensure the maintenance of acceptable asset quality of CF loans; track delinquencies closely so as to minimize NPA levels - Ensure that key parameters related to projects and developers are monitored closely on a continuous basis, so as to mitigate potential risk factors - Understand local currents and risk factors, providing an input to take decisions on new and existing loans