Job Summary:

The National Manager - Small Developer Finance will be responsible for building, scaling and managing the Small Developer Finance business nationally, with a focus on residential and affordable housing projects undertaken by small and mid-sized developers.

The role will own business growth, developer acquisition, deal sourcing, transaction structuring, credit coordination, portfolio management and asset quality. The incumbent will work closely with Credit, Risk, Legal, Technical, Operations, Collections and Finance teams to ensure profitable growth while maintaining strong underwriting and portfolio-quality standards.

The role will also be responsible for developing the SDF franchise, establishing market presence, strengthening developer relationships and creating a scalable business model across geographies.

Requirements:

- Graduate in any discipline; preferably MBA/PGDM in Finance, CA, CFA or equivalent.

- Additional qualification in Finance/Real Estate/Banking will be an advantage.

- 15 - 18 years of overall experience in Banking / NBFC / Housing Finance / Real Estate Finance.

- Strong experience in Developer Finance, Construction Finance, Real Estate Lending or Project Finance.

- Preferably 5+ years in a senior leadership/team-management role.

- Proven experience in managing small/mid-sized developer relationships and residential project funding.

Specific Skills:

- Strong understanding of residential real estate and developer financing.

- Project appraisal and financial analysis.

- Financial modelling and project cash-flow analysis.

- Credit appraisal and deal structuring.

- Understanding of real estate approvals, development processes and project risks.

- Knowledge of security structures, escrow mechanisms and project-level cash flows.

- Portfolio monitoring and risk management.

- Strong understanding of MS Excel and financial modelling tools.

- Knowledge of applicable RBI/NHB and real-estate regulatory framework.

Responsibilities:

- Develop and execute the national Small Developer Finance strategy in alignment with the company's overall business plan.

- Define the target developer segment, including small and midsized developers, project ticket sizes, geographies and product offerings.

- Identify and prioritize high-potential markets for SDF expansion.

- Build a differentiated value proposition for developers through speed, structuring capability, relationship management and customized financing solutions.

- Define the optimal business mix across: Construction Finance, Project Finance, LAP/Developer-backed funding, where applicable, Structured developer finance, Affordable/mid-income housing projects.

- Develop strategies for achieving the right balance between growth, yield, risk and profitability.

- Establish the national sourcing and distribution strategy, including direct sourcing, channel partners and developer ecosystems.

- Build strategic relationships with key developers, real-estate consultants, intermediaries and industry stakeholders.

- Develop a national developer franchise/database and create a repeat-business pipeline.

- Partner with Credit/Risk to develop and continuously refine the SDF credit policy and underwriting framework.

- Establish risk appetite by developer profile, project type, geography, ticket size and security structure.

- Define portfolio concentration limits and geographic/product diversification strategy.

- Develop strategies for early identification and mitigation of portfolio stress.

- Drive digitization and process improvements across sourcing, underwriting, documentation, disbursement and monitoring.

- Identify opportunities to improve ROA, yield, fee income, turnaround time and customer experience.

- Provide market intelligence and competitive insights to senior management.

- Participate in annual business planning, budgeting and manpower planning.

- Build a strong succession pipeline and leadership capability within the SDF business.

- Represent the SDF business in senior management reviews and strategic forums.