Zonal Manager - Commercial Lending

Job description

**Job Purpose** This position is open with Bajaj Finance ltd.**Duties and Responsibilities** - Sourcing of corporates with turnover from Rs 200 crores to Rs 2000 crores for funding their working capital as well as capex needs through various channels. - Negotiating terms of the relationship with the client - Undertaking credit analysis of corporate clients from a lending perspective, structuring the products as per the requirement and - Preparing financial models, appraisal notes for the internal approvals. - Scoping, Budgeting and account planning for the relationships handled and targeted. - Deepening of relationships with existing clients, exploring enhancement opportunity and achieving quarterly sales targets for existing clients. - Increase the wallet share with the customer by constantly exploring opportunities to cross sell other products offered by the Bajaj Finance. - Coordinating between the client and different stakeholders for disbursement and security perfection. - Monitoring and reviewing existing facilities to ensure compliance of post sanction terms and disbursement. - Thorough monitoring of accounts sourced, keep track on customer business and report any early warning signals and take appropriate actions as identified. - Regular tracking of progress on the agreed key metrics towards delivering on the strategy. - Maintain NIL delinquency in the accounts sourced. **Required Qualifications and Experience** - CA / MBA Finance from a reputed institute. - Candidate needs to have an overall experience of 5-7 years, of which a minimum 3 years of experience in a Mid Corporate - RM role with a reputed Bank / NBFC. - Candidate must have exposure in lending to Mid Corporate clients (Companies with revenue between Rs.200 crs Rs.2000 crs). - Candidate would be responsible for active market coverage of prospective clients to achieve new client acquisition goals to generate new and incremental margin and fee-based revenue - Must have experience in commercial credit matters, should be able to read, interpret, and understand financial statements and credit quickly. - Preparing financial models, appraisal notes for the internal approvals.