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

Job Purpose
To manage existing client base and to add more clients. Maintaining quality of the asset book managed by selfDuties 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 stakeholdersKey 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 documentationMajor Challenges
• Client management – Managing various clients from various industries
• Ensuring pristine credit qualityRequired 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 skills
• Strong communications and presentation skills
• Ability to get a given assignment/ job completed within the stipulated timeline