Area Manager - Commercial Lending/Senior Area Manager - Commercial Lending

Location Name: Lucknow

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 client’s 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

 Qualifications

 CA / MBA Finance from a reputed institute preferred.

 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

 Basic understanding of working capital and term lending products

 Flair and ability to evaluate business opportunities

 Relationship building and networking skills

 Strong communications and presentation skills

 Ability to get a given assignment/ job completed within the stipulated timeline