Company Description
PS Group Realty has built a legacy of trust and excellence over four decades, successfully completing more than 150 projects and establishing over 100 joint ventures. With over 15,000 satisfied residents, PS Group Realty is committed to fostering meaningful connections and creating spaces that prioritize family and community living. The organization is known for its dedication to innovation, quality, and timely project execution, making it a trusted name in the real estate industry.
1. Job Purpose
To manage end-to-end project financing and borrowing activities for real estate projects, including arranging funds through term loans, construction finance, Loan Against Property (LAP), Lease RentalDiscounting (LRD), Overdraft (OD) facilities, and Inter-Corporate Deposits (ICDs) at the group level. The role ensurestimelyfund availability for land acquisition, construction, and development phases, compliance with covenants, and optimization of borrowing costs.
2. Key Responsibilities
- Assess funding requirements for ongoing and upcoming real estate projects.
- Prepare financial models and cash flow projections for project financing.
- Evaluate funding options including term loans, construction finance, LAP, LRD, OD facilities, and ICDs.
- Identifysuitable lenders (banks, NBFCs, funds,private equity) and negotiate terms.
- Structure loan agreements considering project milestones and repayment schedules.
- Secure approvals for drawdowns and ensuretimelydisbursement of funds.
- Negotiate ICD terms with NBFCs and manage group-level borrowing arrangements.
- Ensure adherence to loan covenants, RERA guidelines, and statutory requirements.
- Maintainaccuratedocumentation for loan agreements, security creation, and ICD contracts.
- Coordinate with legal teams for mortgage creation and charge registration.
- Track interest rates, repayment schedules, andoptimizeborrowing costs.
- Prepare MIS on project funding status, debt portfolio, ICDutilization, loanrepaymentand interest cost analysis.
- Highlight risks related to funding delays or covenant breaches.
- Liaise with internal teams (Projects, Accounts, Legal) for fundutilizationand compliance.
- Maintain strong relationships with banks, NBFCs, and rating agencies.
3. Skills & Competencies
- Expertisein project finance, debt structuring, LAP, LRD, OD facilities, and ICD management.
- Strong negotiation and relationship management with lenders and NBFCs.
- Knowledge of RERA, real estate financing norms, and regulatory compliance.
- Proficiencyin financial modelling and cash flow analysis.
4. Educational Qualifications
MBA in Finance / CA /CA Inter/CFA preferred
Exposure to borrowings andreal estate project financingisa must
5. Experience
- 810 years in project finance and borrowing management, preferably inrealestate or infrastructure sector.
