Area Manager - Commercial Lending

Bajaj Finserv

Location Name: Nashik

Job Purpose

To manage existing client base and to add more clients. Maintaining quality of the asset book managed by self

Duties And Responsibilities

Source New to Bajaj relationships for Commercial Emerging Corporate Business (Turnover <200 Cr). Experience in handling Corporate client relationships is preferred

Build a diversified portfolio offering revenues from Assets NII, Fees, Cross sell etc. Asset opportunities to be sourced aligned to the lending norms as prescribed.

Appraise financial strength of client, advise and structure the facility meeting client’s requirement and fitting within policy parameters.

Strong focus on Credit quality. Thorough monitoring of accounts sourced, keep track on customer business and report any early warning signals and take appropriate actions as identified. Build a Portfolio which is strong and non-delinquent.

Regular tracking of progress on the agreed key metrics towards delivering on the strategy.

Track developments in the respective markets and provide feedback to the management team.

Stakeholder management – Coordination with internal as well as external stakeholders

Key Decisions / Dimensions

Following Decisions Are Taken By The Role

Key contributor to solution discussion of Use Cases
Identification of Use Cases to onboard LOBs and drive Rewards platform adoption
Ensuring proper record maintenance of PRD, test cases and product documentation

Major Challenges

Client management – Managing various clients from various industries
Ensuring pristine credit quality

Required Qualifications And Experience

Qualifications

CA / MBA Finance from a reputed institute preferred.

Work Experience

Candidate needs to have an overall experience of more than 3 years in a Emerging Corporate - RM role with a reputed Bank / NBFC would be preferred

He must have exposure in lending to Emerging Corporate clients (Companies with revenue

Basic understanding of working capital and term lending products

Flair and ability to evaluate business opportunities

Relationship building and networking skills

Strong communications and presentation skills

Ability to get a given assignment/ job completed within the stipulated timeline