Relationship Manager - Construction Finance - NBFC

Location: Mumbai

Organization: Leading NBFC

Department: Structured Finance / Real Estate Lending

Role Overview

We are looking for an experienced and result-driven professional to join our Construction Finance team at a leading NBFC in Mumbai. The role focuses on originating, structuring, and managing a wide range of structured financing solutions including Loan Against Property, Lease Rental Discounting, Last Mile Funding, Inventory Funding, Built-to-Suit Proposals, Line of Credit, and Term Loans for SMEs and Mid to Large Corporates across sectors. The ideal candidate will possess strong relationship management skills, credit acumen, and execution capability.

Key Responsibilities:

Origination & Relationship Management:

- Create and manage client relationships in the assigned region with key stakeholders including Real Estate Developers, Corporates, Banks, NBFCs, Boutique I-Banks, IPCs, and PE Funds.

- Identify business opportunities and originate new transactions across various structured and real estate financing products.

- Maintain and deepen relationships with key accounts to ensure long-term engagement and repeat business.

Deal Structuring & Credit Presentation:

- Structure bespoke financing transactions suited to client requirements and aligned with internal credit and risk policies.

- Prepare and present structured proposals in PPT or other required formats for internal discussions and Credit Committee approvals.

- Assist in client meetings, site visits, and promoter background assessments.

Credit Assessment & Risk Analysis:

- Collaborate with the risk team to assess transactions based on detailed due diligence of financial statements, projections, repayment history, collateral valuation, and marketability.

- Review ownership structure, legal title of the property, and liaise with internal legal and technical teams for necessary validations.

- Assist in overall credit underwriting by providing market and transaction intelligence.

Internal Coordination & Execution:

- Coordinate with cross-functional teams such as Legal, Technical, Risk, and Operations for end-to-end transaction processing.

- Ensure timely documentation, compliance, and disbursement of sanctioned deals.

- Maintain records and MIS for all transaction-related activities, client communications, and internal approvals.

Qualifications & Experience

- Chartered Accountant (CA), MBA, or Post Graduate Degree in Finance or related field.

- 7 to 10 years of relevant experience in Construction Finance, Real Estate Lending, or Structured Finance in an NBFC, Bank, or financial institution.

- Demonstrated ability to originate, structure, and execute complex real estate and structured finance transactions.

- Strong understanding of real estate market dynamics, collateral-based lending, legal and technical due diligence, and client creditworthiness assessment.

Key Skills & Competencies

- Excellent relationship management and business development skills with a strong client network.

- Strong financial and credit analysis capabilities with an eye for detail.

- Excellent verbal and written communication skills, including presentation and documentation abilities.

- Ability to manage multiple stakeholders and work in a cross-functional environment.

- Self-motivated, target-oriented, and capable of working in a fast-paced, high-pressure environment.