Zonal Manager - Commercial Lending

Job Purpose
This position is open with Bajaj Finance ltd.Duties and Responsibilities

• Sourcing of corporates with turnover from Rs 200 crores to Rs 2000 crores for funding their working capital as well as capex needs through various channels.
• Negotiating terms of the relationship with the client
• Undertaking credit analysis of corporate clients from a lending perspective, structuring the products as per the requirement and
• Preparing financial models, appraisal notes for the internal approvals.
• Scoping, Budgeting and account planning for the relationships handled and targeted.
• Deepening of relationships with existing clients, exploring enhancement opportunity and achieving quarterly sales targets for existing clients.
• Increase the wallet share with the customer by constantly exploring opportunities to cross sell other products offered by the Bajaj Finance.
• Coordinating between the client and different stakeholders for disbursement and security perfection.
• Monitoring and reviewing existing facilities to ensure compliance of post sanction terms and disbursement.
• Thorough monitoring of accounts sourced, keep track on customer business and report any early warning signals and take appropriate actions as identified.
• Regular tracking of progress on the agreed key metrics towards delivering on the strategy.
• Maintain NIL delinquency in the accounts sourced. Required Qualifications and Experience
• CA / MBA Finance from a reputed institute.
• Candidate needs to have an overall experience of 5-7 years, of which a minimum 3 years of experience in a Mid Corporate - RM role with a reputed Bank / NBFC.
• Candidate must have exposure in lending to Mid Corporate clients (Companies with revenue between Rs.200 crs Rs.2000 crs).
• Candidate would be responsible for active market coverage of prospective clients to achieve new client acquisition goals to generate new and incremental margin and fee-based revenue
• Must have experience in commercial credit matters, should be able to read, interpret, and understand financial statements and credit quickly.
• Preparing financial models, appraisal notes for the internal approvals.