Role Purpose:

To originate, manage, and grow banking relationships with real estate developers, construction companies, REITs, and allied real estate businesses. The role is responsible for driving asset and liability growth, structuring financing solutions, managing portfolio quality, and delivering comprehensive banking products to clients within the real estate sector.

Key Responsibilities:

Business Development & Relationship Management:

- Develop and manage relationships with real estate developers, construction companies, REITs, and related ecosystem participants.

- Identify and acquire new-to-bank clients within the real estate sector.

- Build strong relationships with promoters, CFOs, finance heads, and key stakeholders.

- Deepen client engagement and enhance wallet share across banking products.

Credit Origination & Deal Structuring:

- Source and structure lending opportunities, including project finance, construction finance, lease rental discounting, working capital, and term loans.

- Assess financing requirements and develop customized solutions aligned with client needs.

- Coordinate with credit, legal, technical, and risk teams for transaction execution.

- Prepare business proposals, financial analyses, and credit recommendations.

Portfolio Management:

- Manage a portfolio of real estate clients while ensuring profitability and portfolio quality.

- Monitor project progress, financial performance, cash flows, and covenant compliance.

- Conduct regular client reviews and identify opportunities for portfolio expansion.

- Maintain asset quality through proactive risk monitoring and early warning identification.

Cross-Selling & Revenue Generation:

- Drive cross-selling of transaction banking, cash management, trade finance, treasury, escrow, and liability products.

- Collaborate with internal product teams to provide integrated banking solutions.

- Generate fee income and enhance relationship profitability.

Risk & Compliance Management:

- Ensure compliance with regulatory guidelines, internal policies, and sector exposure norms.

- Monitor portfolio risks and recommend corrective actions where required.

- Maintain robust KYC, AML, and credit monitoring standards.

- Support audit, regulatory, and compliance requirements.

Market Intelligence & Sector Coverage:

- Track real estate market trends, regulatory developments, and competitive dynamics.

- Build a strong network across developers, consultants, investors, and industry participants.

- Identify emerging opportunities in residential, commercial, industrial, warehousing, and mixed-use developments.

Key Performance Indicators (KPIs):

- New client acquisition and portfolio growth

- Loan book and revenue growth

- Cross-sell and fee income generation

- Portfolio profitability

- Asset quality and delinquency levels

- Client retention and relationship deepening

- Compliance and risk management metrics

Desired Candidate Profile:

- MBA (Finance), CA, CFA, or equivalent professional qualification.

- 12 years of experience in Corporate Banking, Real Estate Finance, Project Finance, or Commercial Banking.

- Strong understanding of real estate financing structures, project appraisal, and credit underwriting.

- Experience in managing relationships with developers and large real estate groups.

- Sound knowledge of market dynamics, regulatory requirements, and sector-specific risks.