JOB DESCRIPTION

Position Title Senior Manager

1. JOB PURPOSE

(Briefly describe the general purpose of the position or its significance from the organisation's point of view and how it contributes to the overall mission/objective of the organization).

Contribute to the team by

Providing detailed and well researched insights into identified non infra sectors, undertaking detailed industry analysis, developing sector expertise and parameters for financing.

Sharing timely inputs with client relationship/Risk teams for appraisal / due diligence of the proposals
Market/ Development for Industrial Finance business

2. PRINCIPAL ACCOUNTABILITIES

(List the responsibilities/duties associated with the job)

Business Development / Deal Origination

Business development in non infra sectors by

a. Active scanning of the business / sectoral environment from industry databases / research houses for identifying potential clients

b. Preliminary analysis of the identified clients on basis of public information

c. Active interaction with Syndicators/consultants

Credit Appraisal and Due diligence

The role requires Senior Manager to play an active role in providing support to the concerned PFG team during the execution of a transaction by

a. Providing sector and structuring knowledge for carrying out a detailed appraisal and due diligence of the project/proposal from Technical/Financial/Legal/Regulatory aspects

a. The process involves Industry Research & Sector Analysis, Financial Modeling and Balance Sheet Analysis, Contract Evaluation, Development of Risk & Mitigation Matrix, SWOT analysis,

b. Term sheet preparation /inputs

b. Preparing customized Sector Presentation / Appraisal Note and the presentation, to be presented to the Investment committee

c. Interacting with other internal departments like Risk (by identifying the Risk and the respective mitigations pertaining to the proposal), Legal, Regulatory and Compliance team for sanction / documentations

Considering the medium term horizon of Non Infrastructure projects (5-7years) ,the Senior Manager is expected to

a. Develop capability & aptitude to understand long term sectoral trends and structure the transactions accordingly (Track the various sectors on a continuous basis

Portfolio Management

Post signing of the Financing Document, active monitoring of the project on a continuous basis to ensure

2. Keeping a track of the developments in the sector post approval in terms of regulatory, economic changes,
and assessing its impact on the account..

3. Compliance of all Pre-Commitment conditions and Pre-disbursement Condition

4. Complete the process of security creation and perfection, compliance, and disbursement

Regular engagement/ interaction with his counterparts in external stakeholders viz. Client, Owners Engineer, Lenders Consultant, Financial Institutions and Internal stakeholders viz. Risk and Asset Management, Accounts, and Legal team.

Other Key responsibilities:-

1. Site Visits

2. Regular review of periodic reports prepared by Lenders Engineer, Lenders Insurance Agent, submitted by the Developer

3. Regular tap on financial health of the Borrower, Payment track record and rating maintained by other financial institution

DIMENSIONS Financial Dimensions

Portfolio Management, Revenue and Profit:- Help in Managing a portfolio of ~ 5 - 7 clients with total portfolio size of ~Rs 300 - 500 Crore. Disbursement:- Responsible for disbursement target of ~ Rs 250 Crore per annum based on regional business plan.

Sanction (Business Pipeline):- Contribute towards sanctioning new loans of Rs 1,000 Crore Rs.1,500 Crore per annum with ticket.

Fee Based Income: - Portfolio Quality : Ensure timely compliance of all outstading issues post disbursement, preparation of quarterly review reports, flagging any major variance in financials, project implementation aspects .

Other Dimensions

(Indication of some of the significant volumes associated with the job like number in team/ staff handled etc).

Number of credit analysis per year

Initial Screening (Go-No Go): 25 deals

Basic Analysis (Flash/Brief Note to Credit Committee): 10-12 deals

Detailed Appraisal:- 5 8 deals

3. SKILLS AND KNOWLEDGE

(State the minimum acceptable proficiency for this job which best indicates the education and/or experience requirements of this job and not the incumbent).

Educational Qualifications and Experience

MBA/CA with minimum 3-4 years post MBA/CA experience preferably in Banking Sector, especially in Corporate Banking

Ability to prepare Financial Model / sound understanding of Balance Sheets

Communication Skills

Ability to communicate effectively/persuasively the within the Group and if required to the Sr. Management team

Ability to gain in-depth understanding of identified sectors, major players in the sector and industries performance, trends

Ability to interact with professionals in various fields (Legal Internal, Client side and external legal counsel for Documentations/Contracts/Litigations, Technical Experts in various sectors, Finance Consultants and Client side, Compliance & Regulatory Internal and Client side) and resolve differences/views with guidance from Senior Manager and above to achieve faster deal closure

Managerial Skills

Ability to handle multiple transactions across sectors and at various stages of appraisal and ensuring quality of Appraisal and knowledge transfer to peers

Note- Interested candidate can send their profile and applicants should have non-infrastructure industry exposure.

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