National Head - Product Management - Roads & Transportation - BFS

Credit Appraisal

- Appraisal of the proposals involving detailed analysis of Income Statement, Balance Sheet, Financial Ratios, Cash Flows, Management Risk, Industry Risk, Economic conditions

Portfolio Management

- Managing client relationships

- Tracking of covenants and management of exceptions / deviations

- Regular review of the case

- Inspections / Site visits

- New business / product development initiatives

- Team Management

- Negotiating support on term sheets / reviewing agreements / advisory

- Finalization of financial model

- Co-ordinate with internal teams (Credit / legal / compliance etc)

- Co-ordinate with client

- Ensure successful execution of deal

- Communication/PR of Bank's products

- Engage with the senior management of the clients in order to get - preferred bank- status

- Undertakes brand communication initiatives for designated products

- Communicates product positioning messaging that differentiates Bank's products in the market

Market Research

- Illustrates understanding of consumers, competition and current market conditions through primary and secondary research

Documentation and Compliance

- To maintain high quality standards of documentation, client communication, process compliance, ongoing basis with product partners / OSD / Risk Management and other Relationship Management group