Regional Sales Head CF Hyderabad

Implement the sales plan for the Construction Finance division building relationships with developers and identifying areas of opportunity for ABFL

• Drive on-ground sales for the construction finance division by building strong relationships with developers.
• Enhance CF portfolio by driving deal sourcing which in line with guidelines laid down.
• Drive right product mix of vanilla and structured products to maximise NIM & PF.
• Micro managing portfolio and relationships to ensure quality of portfolio.
• Identify new customers to achieve horizontal growth by increasing customer base.
• Promote cross-selling / up selling of group financial product offerings and utilize them as value differentiators; e.g. the home loan business is a big opportunity for creating scale through this channel.
• Source timely accurate quality and pertinent information and data primarily through market research/ feedback to assist in decision making of viability of project
• Track competition on portfolio & product front.
• Build relationships with intermediaries IPCs local CA community & other channel partners.

Build superior customer service levels and a strong value proposition while ensuring compliance to internal risk parameters

• Gain a thorough understanding of customer needs and requirements
• Understand the technical and financial aspects of projects including project size progress and risk factors
• Structure customized deals as per internal parameters and suit customer requirements
• Oversee the initial stages of the risk management process collating the necessary documentation carrying out preliminary risk assessments and forwarding the files to the credit team
• Coordinate with the risk and operations teams to evaluate and approve loan applications while maintaining customer service levels including turn-around-time
• Communicate with customers on a periodic basis identifying and addressing their issues so as to maintain high levels of customer satisfaction
• Manage the account renewal process ensuring continuing relationships with key customers

Ensure compliance to internal risk parameters and monitor the health of customer accounts on a periodic basis to minimize risk and potential delinquencies

• Ensure that internal risk parameters and external regulatory norms are followed at all points in the lending process
• Ensure the maintenance of acceptable asset quality of CF loans; track delinquencies closely so as to minimize NPA levels
• Ensure that key parameters related to projects and developers are monitored closely on a continuous basis so as to mitigate potential risk factors
• Understand local currents and risk factors providing an input to take decisions on new and existing loans