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