01Key Responsibilities
To source capital market transaction, structure financing, IPO financing for assigned geographical area to ensure achievement of portfolio & bottom line growth targets while minimizing NPAs and achieving NIM and targeted return on equity.
1. Portfolio Growth - Lead and direct the sourcing capital & structure financing customers to ensure the targeted growth of the portfolio
Identify Group/Corporates for financing opportunities.Directly build & maintain strong relationship with each & every large/mid corporate to explore funding opportunities.Maintain relationship at all levels Promoter/CFO/Finance head to explore various opportunities with Group/Company.Build loan book in Corporate/Capital/Structured financing finance through direct origination.Understand requirement of client & structure the transaction.Participate in structured financing transactions of Large/mid-size companies.Grow portfolio while minimizing NPA.2. Bottomline Growth - Use appropriate pricing, fees etc. to maximize & grow margins
Negotiate best pricing from the client and maximize bottom line.Maximize bottom line with combination of fees & interest income.Basis client profile and market scenario, price each product right, to maximize the return.3. Market Intelligence - Gather market intelligence towards evolving competitive business strategy, policies & processes
Gather market intelligence on a regular basis.Share the market intelligence with Zonal managers.Provide suggestions for improvement in processes, pricing, product, policy, NPA reduction etc to Zonal managers.4. Control NPA - Ensure quality of portfolio to control NPAs
Ensure high standards of portfolio management, margin regularization, market intelligence for better NPA management.Minimize the NPA.Keep abreast of the latest developments of exposure & report for any indication of customer defaults, sectoral changes etc.Maintain good quality lending book and manage stress/overdues, if any by engaging actively & proactively with all stakeholders.5. Stakeholder Coordination & Process Adherence - Coordinate with stakeholder for efficient transaction processing; Ensure 100% adherence to organization processes/policies
Smoothly coordinate with all the stakeholders like Operation/Risk/Compliance in the organization for faster and better results.Provide inputs to Zonal Manager for Sales MIS.Be aware of all critical policies, processes & documentation for all the products.Ensure policy/process adherence and documentation.------------------------------------------------------------------------------------
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Aditya Birla Capital is committed to provide equal opportunity to all in employment and prohibits discrimination or harassment in any form on the basis of race, colour, religion .
