Zonal Head - Real Estate Finance - North/West/South/East India

Description:

Role Summary:

We are hiring a Zonal Head - Real Estate Finance to lead and scale the developer lending business for a leading NBFC. The role involves full ownership of business growth, credit quality, and profitability across the assigned zone.

Key Responsibilities:

1. Business Growth & P&L Ownership:

- Drive disbursements, AUM growth, and profitability for the real estate finance portfolio

- Build a strong pipeline of mid-to-large real estate developers

- Own zone-level P&L, including yields and cost management

2. Developer Acquisition & Relationship Management:

- Originate and manage relationships with reputed developers and promoter groups

- Structure funding solutions such as:

a. Construction Finance

b. Structured Debt / Mezzanine Funding

c. Lease Rental Discounting (LRD)

d. Maintain deep engagement with top clients in the zone

3. Credit & Risk Management:

- Ensure robust underwriting and due diligence in partnership with credit teams

Evaluate:

a. Project feasibility

b. Cash flow strength

c. Approvals & legal risks

d. Maintain high portfolio quality and low NPAs

4. Team Leadership

- Lead and manage a regional team (Sales + RMs + Credit interface)

- Drive performance, productivity, and target achievement

- Build a strong execution-driven culture

5. Stakeholder & Cross-Functional Management

- Work closely with:

a. Credit

b. Legal

c. Technical

d. Risk & Collections

e. Ensure smooth sanction to disbursement lifecycle

6. Market Intelligence

- Track real estate trends, regulatory changes (RERA), and competitor activity

- Identify high-growth micro-markets within the zone

Candidate Profile

Experience

- 1216 years in Real Estate Finance / Construction Finance

- Proven track record of managing large developer lending books

Skills & Expertise

Strong knowledge of:

- Real estate project lifecycle

- Financial structuring & cash flow analysis

- Developer evaluation

- Leadership

- Experience managing large regional / zonal teams

- Strong negotiation and deal-closing capability

- Preferred Background

- From NBFCs, HFCs, Banks, Real Estate Funds

- Strong developer network in the zone

- Key KRA's

- Disbursement targets

- AUM growth

- Portfolio quality (GNPA/NNPA)

- Yield & profitability

- Client acquisition

Location

Zonal Role - North/West/South/East India

Base: Metro city (Mumbai / NCR / Bangalore etc.)