Key Responsibilities:

1. Assist Zonal Head:

- Assist Zonal Head in delivering budgeted sales volumes, profitability and Fee Income in the designated area.

- Assist Zonal Head in implementing business strategy for the Zone and tap local network to achieve budgeted business volumes.

- Identify prospective Business houses, Corporates, Intermediaries and Bankers in the designated area and establish relationships to have a healthy pipeline and regular business.

2. Client Acquisition:

- Undertake new client acquisition and establish healthy working relationships with existing or target Customers at middle management levels.

- Identify prospective Business houses, Corporates, Intermediaries and Bankers in the designated area and establish relationships to have a healthy pipeline and regular business.

- All sanction from bilateral deals with direct client relationship. No syndication or down-sell from other lenders.

3. Operational Effectiveness:

- Drive process efficiencies and faster TATs through strong relationships with stakeholders across processes and functions (Risk, Operations) and direct client relationships.

- High quality and in-depth credit appraisal.

- Successful cross-selling of other products of ABFL/ABC to potential business groups.

4. Client Relationship Management:

- Set high standards of Client Relationship Management, including negotiation of Term sheets, NOCs, Pricing etc.

- Wide sector and market knowledge which enables effective deal structuring and term sheet discussions with the customer.

5. Customer Service:

- Maintain constant interactions with clients, ensure effective Customer Service standards and superior client satisfaction.

- Ensure satisfaction for Portfolio clients and effective servicing for various requirements from loan processing to information requirements to post disbursement requirements like balance confirmations, NOCs etc.

6. Portfolio Review and Risk Management:

- Conduct portfolio review and ensure strong adherence to risk management and regulatory norms and credit policy or process.

- Be aware of all critical policies, processes and documentation for all PSFG products and ensure compliance.

- Revisit existing processes or policies and suggest improvements to improve efficiency regarding cost.

7. Portfolio Management:

- Ensure high standards of portfolio management (shared accountability with Risk Management team).

- Conduct proactive rigorous post disbursement tracking of clients through site visits, financial and operational performance review etc.

- Ensure compliance of all critical policies and procedures, documentary and audit requirements for business proposals and the portfolio on an ongoing basis.