Implement the sales plan for the Construction Finance division, building relationships with developers and identifying areas of opportunity for ABFL
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Drive on-ground sales for the construction finance division by building strong relationships with developers.
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Enhance CF portfolio by driving deal sourcing which in line with guidelines laid down.
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Drive right product mix of vanilla and structured products to maximise NIM & PF.
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Micro managing portfolio and relationships to ensure quality of portfolio.
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Identify new customers to achieve horizontal growth by increasing customer base.
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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.
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Source timely, accurate, quality and pertinent information and data primarily through market research/ feedback to assist in decision making of viability of project
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Track competition on portfolio & product front.
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Build relationships with intermediaries, IPCs local CA community & other channel partners.
Build superior customer service levels and a strong value proposition while ensuring compliance to internal risk parameters
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Gain a thorough understanding of customer needs and requirements
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Understand the technical and financial aspects of projects including project size, progress and risk factors
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Structure customized deals as per internal parameters and suit customer requirements
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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
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Coordinate with the risk and operations teams to evaluate and approve loan applications, while maintaining customer service levels including turn-around-time
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Communicate with customers on a periodic basis, identifying and addressing their issues so as to maintain high levels of customer satisfaction
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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
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Ensure that internal risk parameters and external regulatory norms are followed at all points in the lending process
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Ensure the maintenance of acceptable asset quality of CF loans; track delinquencies closely so as to minimize NPA levels
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Ensure that key parameters related to projects and developers are monitored closely on a continuous basis, so as to mitigate potential risk factors
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Understand local currents and risk factors, providing an input to take decisions on new and existing loans
