Sr Manager - Working Capital - Corporate Banking

Job Description:

Position Title: Senior Manager

Job Purpose:

(Briefly describe the general purpose of the position or its significance from the organisation's point of view and how it contributes to the overall mission/objective of the organization).

Contribute to the team by:

- Providing detailed and well researched insights into identified non infra sectors, undertaking detailed industry analysis, developing sector expertise and parameters for financing.

- Sharing timely inputs with client relationship/Risk teams for appraisal / due diligence of the proposals
Market/ Development for Industrial Finance business

Principal Accountabilities:

(List the responsibilities/duties associated with the job)

Business Development / Deal Origination:

Business development in non infra sectors by:

- Active scanning of the business / sectoral environment from industry databases / research houses for identifying potential clients

- Preliminary analysis of the identified clients on basis of public information

- Active interaction with Syndicators/consultants

Credit Appraisal and Due diligence:

The role requires Senior Manager to play an active role in providing support to the concerned PFG team during the execution of a transaction by

- Providing sector and structuring knowledge for carrying out a detailed appraisal and due diligence of the project/proposal from Technical/Financial/Legal/Regulatory aspects

- The process involves Industry Research & Sector Analysis, Financial Modeling and Balance Sheet Analysis, Contract Evaluation, Development of Risk & Mitigation Matrix, SWOT analysis,

- Term sheet preparation /inputs

- Preparing customized Sector Presentation / Appraisal Note and the presentation, to be presented to the Investment committee

- Interacting with other internal departments like Risk (by identifying the Risk and the respective mitigations pertaining to the proposal), Legal, Regulatory and Compliance team for sanction / documentations

- Considering the medium term horizon of Non Infrastructure projects (5-7years) ,the Senior Manager is expected to

- Develop capability & aptitude to understand long term sectoral trends and structure the transactions accordingly (Track the various sectors on a continuous basis

Portfolio Management:

- Post signing of the Financing Document, active monitoring of the project on a continuous basis to ensure

- Keeping a track of the developments in the sector post approval in terms of regulatory, economic changes,
and assessing its impact on the account..

- Compliance of all Pre-Commitment conditions and Pre-disbursement Condition

- Complete the process of security creation and perfection, compliance, and disbursement

- Regular engagement/ interaction with his counterparts in external stakeholders viz. Client, Owners Engineer, Lenders Consultant, Financial Institutions and Internal stakeholders viz. Risk and Asset Management, Accounts, and Legal team.

Other Key responsibilities:

- Site Visits

- Regular review of periodic reports prepared by Lenders Engineer, Lenders Insurance Agent, submitted by the Developer

- Regular tap on financial health of the Borrower, Payment track record and rating maintained by other financial institution

Dimensions: Financial Dimensions

Portfolio Management, Revenue and Profit:- Help in Managing a portfolio of ~ 5 - 7 clients with total portfolio size of ~Rs 300 - 500 Crore. Disbursement:- Responsible for disbursement target of ~ Rs 250 Crore per annum based on regional business plan.

Sanction (Business Pipeline): Contribute towards sanctioning new loans of Rs 1,000 Crore Rs.1,500 Crore per annum with ticket.

Fee Based Income: Portfolio Quality : Ensure timely compliance of all outstading issues post disbursement, preparation of quarterly review reports, flagging any major variance in financials, project implementation aspects .

Other Dimensions:

(Indication of some of the significant volumes associated with the job like number in team/ staff handled etc).

- Number of credit analysis per year

- Initial Screening (Go-No Go): 25 deals

Basic Analysis (Flash/Brief Note to Credit Committee): 10-12 deals

Detailed Appraisal: 5 8 deals

Skills & Knowledge:

(State the minimum acceptable proficiency for this job which best indicates the education and/or experience requirements of this job and not the incumbent).

Educational Qualifications and Experience:

- MBA/CA with minimum 3-4 years post MBA/CA experience preferably in Banking Sector, especially in Corporate Banking

- Ability to prepare Financial Model / sound understanding of Balance Sheets

Communication Skills:

- Ability to communicate effectively/persuasively the within the Group and if required to the Sr. Management team

- Ability to gain in-depth understanding of identified sectors, major players in the sector and industries performance, trends

- Ability to interact with professionals in various fields (Legal Internal, Client side and external legal counsel for Documentations/Contracts/Litigations, Technical Experts in various sectors, Finance Consultants and Client side, Compliance & Regulatory Internal and Client side) and resolve differences/views with guidance from Senior Manager and above to achieve faster deal closure

Managerial Skills:

- Ability to handle multiple transactions across sectors and at various stages of appraisal and ensuring quality of Appraisal and knowledge transfer to peers

Note- Interested candidate can send their profile and applicants should have non-infrastructure industry exposure.