Client Details:

The company stands as a trusted partner, respecting and nurturing millions of dreams of home and business. With us, every handshake is a promise, and every loan a foundation of respect for uniting dreams with opportunities for all. The company has a balance sheet size of - 0.70 trillion as on 31 March, 2025 and serviced more than 1.6 million happy customers. The company has strong nationwide presence of over 220 branches which offers quick, convenient and competitively priced home loans in the affordable housing segment. Additionally, the company also offers loans to MSMEs/small business for working capital.

Job Profile:

Position: Relationship Manager - Real Estate Lending (Construction Finance)

Location: Prabhadevi, Mumbai / Shivajinagar Pune

Department: Construction Finance

Reporting To: Head Credit-Construction Finance, Construction Finance wholesale lending

Role Overview:

We are a premier financial services firm seeking a dynamic, result-oriented Relationship Manager - Real Estate Lending to drive asset creation and scale our real estate portfolio.

In this role, you will act as the face of the relationship to leading institutional builders and developers, identifying high-yield funding opportunities and structuring customized credit solutions.

You will manage the entire transaction lifecycle - from originating deals and evaluating developer creditworthiness to ensuring seamless disbursement and rigorous project monitoring.

This is an exceptional opportunity for an ambitious finance professional to manage large-scale real estate portfolios, navigate complex micro-market landscapes, and build an impactful career within a top-tier institutional lending ecosystem.

Key Responsibilities:

- Originate high-value debt requirements from top-tier institutional builders and real estate developers specifically across the MMR (Mumbai Metropolitan Region) and Pune markets.

- Leverage industry networks, financial intermediaries, investment bankers, and property consultants to source viable real estate transactions.

- Conduct market intelligence to proactively identify upcoming residential, commercial, or mixed-use projects requiring capital solutions.

- Pitch tailored financing structures to developer partners, positioning the firm as the preferred lender of choice.

- Collaborate with Credit and Risk teams to engineer robust, well-collateralised debt products, including construction finance, inventory funding, and structured finance.

- Evaluate project financial viability, cash flow projections, and developer creditworthiness using thorough financial analysis.

- Present strong investment cases jointly with the credit and risk teams directly to management for final strategic sign-off.

- Manage an active developer portfolio, serving as the single point of contact for corporate borrowers to ensure top-tier client satisfaction.

- Oversee milestone-based drawdowns, coordinating technical operations, legal verification, and escrow audits for risk-mitigated disbursements.

- Monitor portfolio health continuously, tracking sales velocity, construction milestones, and RERA accounts to ensure timely interest servicing and principal collections.

Required Skills & Qualifications:

- Chartered Accountant (CA) or MBA in Finance, or an equivalent post-graduate degree in a highly quantitative financial discipline.

- Minimum 2 to 5 years of core experience in real estate underwriting, structured finance, or corporate lending.

- Proven track record within a Tier-1 Bank, NBFC, Real Estate Private Equity/Credit Fund, or an Alternative Investment Fund (AIF).

- Financial Modeling: Mastery in building advanced project pro-formas, cash flow waterfalls, DCF models, and sensitivity analyses in MS Excel.

- Developer Financial Analysis: Deep ability to analyze developer portfolios, including completed, ongoing, and upcoming projects, alongside group-level debt and enterprise-wide financial information.

- Term Sheet Management: End-to-end expertise in drafting, structuring, and negotiating commercial term sheets.

- Regulatory Knowledge: Sound foundational understanding of RBI guidelines and RERA regulations governing real estate credit.

- Institutional Negotiation: Sharp commercial acumen with a proven ability to negotiate complex loan covenants, pricing scales, and security structures with C-suite executives.

- Stakeholder Management: Exceptional interpersonal and communication skills to seamlessly bridge developer expectations with stringent internal risk policies.

- Solutions-Oriented Execution: A proactive problem solver capable of managing high-stakes transactions within demanding timelines.

Working Days: Mon - Friday

Working Timings: 10.30AM - 7 PM