Location: Delhi, Chennai, and Mumbai

Function: Real Estate and Construction Finance

Designation: Regional Relationship Head

Qualification: CA / MBA

Experience: Relevant experience in Real Estate Finance, Construction Finance, Corporate Banking, Wholesale Lending, or Financial Services

About the Role:

We are looking for an experienced Regional Relationship Head - Real Estate and Construction to drive business development, client acquisition, relationship management and portfolio growth in the assigned region.

The role will involve building strong relationships with real estate developers, construction companies, corporates, business houses, intermediaries and banking partners, while identifying and converting new business opportunities across real estate and construction finance.

The ideal candidate should have strong commercial acumen, excellent relationship management skills, a good understanding of credit and deal structuring, and the ability to work closely with Risk, Credit and Operations teams.

Key Responsibilities:

- Drive regional business development to achieve targeted sales volumes, profitability and fee income.

- Identify and develop relationships with prospective real estate developers, construction companies, business houses, corporates, intermediaries and bankers to create a strong business pipeline.

- Lead new client acquisition and build long-term relationships with existing and prospective customers.

- Originate and manage direct bilateral transactions, ensuring end-to-end ownership of client relationships.

- Develop a strong understanding of client requirements and identify appropriate financing solutions for real estate and construction businesses.

- Evaluate financing opportunities across residential, commercial, industrial, infrastructure-linked and other real estate/construction segments.

- Work closely with Risk, Credit and Operations teams to improve process efficiency and deliver faster turnaround times.

- Conduct high-quality and in-depth credit appraisal of prospective transactions.

- Drive successful deal structuring, including term-sheet discussions, pricing, negotiations and NOCs.

- Maintain strong knowledge of real estate and construction sector dynamics, market trends and regulatory developments to support effective deal structuring and client discussions.

- Ensure high standards of client servicing and relationship management throughout the financing lifecycle.

- Manage portfolio relationships and coordinate client requirements from loan processing through post-disbursement servicing.

- Conduct periodic portfolio reviews and proactively monitor financial and operational performance.

- Undertake client/site visits and ensure timely post-disbursement tracking.

- Ensure adherence to credit policies, risk management guidelines, regulatory requirements, documentation and audit standards.

- Identify opportunities for cross-selling financial products and solutions to existing and prospective business groups.

- Work with internal and external stakeholders to continuously improve processes, efficiency and customer experience.

Ideal Candidate Profile:

We are looking for candidates who demonstrate:

- Strong experience in Real Estate Finance, Construction Finance, Corporate Lending, Wholesale Banking, or Financial Services.

- Proven track record in business development and new client acquisition.

- Strong corporate and institutional network within the assigned market/region.

- Experience managing relationships with real estate developers, construction companies, corporates, business houses, intermediaries and banking institutions.

- Good understanding of credit appraisal, financial analysis and deal structuring.

- Ability to negotiate term sheets, pricing and commercial terms.

- Strong understanding of real estate and construction sector dynamics and market trends.

- Excellent relationship management, communication and negotiation skills.

- Strong analytical thinking and attention to detail.

- High degree of integrity and professional ethics.

- Process oriented approach with an ability to identify and implement improvements.

- Strong stakeholder management and networking capabilities.

Why Consider This Opportunity:

- Regional leadership role within a reputed financial services environment.

- Opportunity to manage high-value relationships across the real estate and construction ecosystem.

- Exposure to real estate and construction financing transactions.

- Significant responsibility across origination, client management, deal structuring and portfolio management.

- Opportunity to work closely with senior stakeholders across Credit, Risk and Operations.

- Strong platform for professionals looking to build a long-term career in real estate finance, construction finance and wholesale banking.