Aditya Birla Capital - Relationship Manager - Capital Markets/Corporate & Structured Financing

ADITYA BIRLA FINANCIAL SHARED SERVICES LIMITED - Relationship Manager - Capital Markets, Corporate and Structured Financing

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.