Relationship Manager - Mid Market - LAS Insti

Job Description

Job Description - Relationship Manager / Senior Relationship Manager

Enriching Lives Winning as ONE

ABC Company Info:

Aditya Birla Capital Limited (ABCL) is the holding company for the financial services businesses of the Aditya Birla Group.With subsidiaries/JVs that have a strong presence across Protecting, Investing and Financing solutions, ABCL is a financial solutions group that caters to the diverse needs of its customers across their life cycle. Powered by more than 38,000 employees, the businesses of ABCL have a nationwide reach with over 1300 branches, more than 2,00,000 agents/channel partners and various bank partners.

Aditya Birla Finance Limited:

Aditya Birla Finance Limited (ABFL), a subsidiary of Aditya Birla Capital Limited, is among the leading well-diversified non-banking financial services company in India. ABFL offers customized solutions in the areas of personal finance, mortgage finance, SME finance, corporate finance, wealth management, debt capital markets and loan syndication.

What makes an ideal ABC Citizen

At ABC, we are constantly on the lookout for individuals who resonate with our 5 core values of Speed, Passion, Integrity, Seamlessness and commitment and live them every day, while also understanding our vision. We believe in building leaders who thrive on challenges, take the onus of creating and sustaining strong teams, and forms strong networks as a result of effective relationship-building.

Role Details:

Required Skills & Competencies

• PAN India Book size: 5821 cr FY24
• NPA: Although there is a strong focus on regular client management and attempt for NIL NPAs
• Product Line - LAS transactions, structure financing, special Situation financing including IPO finance, Acquisition Finance, Cash flow and hard collateral based funding to small and mid-size corporates for assigned geographical areas
• Customers Category:
  • Promoter Investment Companies
  • Operating Companies
  • Super HNIs
  • Stock Brokers
  • NBFCs / MFIs.

Key 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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Disclaimer

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, ethnicity, age, gender, disability or any other characteristic protected by law. Diversity, Equity and Inclusion (DEI) is embedded in our recruitment policies based on our business needs and candidates meeting the eligibility criteria such as qualification, skills and experience.

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