Key Result Areas (Max 1325 Characters)
Supporting Actions (Max 1325 Characters)
Implement the sales plan and 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 and promoters
- Leverage the existing developer base and Group relationships by building strong relationships with key resources. Eg. AMC real estate PE, ABMM , Ultratech etc.
- Drive an increase in fee based income from real estate developers
- 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
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
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
