Commercial Real Estate

Job Description

PRINCIPAL ACCOUNTABILITIES

(Accountabilities associated with the job)


AOP sales planning and review

Cascade and communicate the AOP numbers to the cluster and area
managers based on past performance market potential team
size etc.; Align the team on the business direction and
growth agenda.

Consolidate and analyze input on monthly pipeline from the team
at the beginning of the month; On a fortnightly basis review
the progress on transactions and additions to the pipeline;
Monitor various transaction stages such as login sanction and
disbursal through the month.

Monitor key metrics related to transactions such as ROI fee
income payout to channel partners (Hyderabad and Chennai)
cross sell income etc.; Provide course correction inputs to
the team to bring deviation on track

Scan markets keep selfupdated and gather market intelligence
related to prominent commercial constructions absorption
levels tenancies ongoing prevailing property rates and
market rentals; Make visits to markets and locations.

Sourcing of business

Scan the market in the assigned geographies to determine the
developers builders HNIs / customers to be targeted at the
month beginning; Define approach (direct vs. channel partner)
to source the business.

Ensure revenue generations via Cross sell products (Life
Insurance/Property Insurance/Fixed Deposits ect)

Engage with channel partners developers customer etc. to
understand customer requirements and ensure stronger building
of pipeline and sourcing of business

Motivate the team to continuously build additional pipeline and
enhance business sourcing.

Transaction management and sanctioning

Analyze financials of the customer though study of ongoing
projects cash flows debts etc.; Undertake first level
financial analysis and evaluations and study the cash flow;
direct the team; Support the credit team for expediting the
transaction assessment and approvals

Aid movement of transaction onto the approving authority as soon
as possible remove roadblocks and ensure files shared with
credit are complete and query free; Respond to the queries and
collection of documents promptly through the customers; Ensure
self and team is equipped with the knowledge of the case

Transaction closure

Post credit sanction oversee and guide the team to ensure
timely and accurate execution of loan agreements funds
disbursement

Present the proposition and close the deal with the customer;
Respond to customer queries and prove better than competition

Relationship management Clients and Channel Partners

Regularly engage with customers maintain and monitor trackers
for self and team to ensure customer interactions occur every
45 days

HNI monitoring channel with Risk / HO; review of portfolio and
get inputs

Maintain and deepen relationships track their financial
wellbeing identify and flag early signs of customers getting
into stress and take steps to move them out of the portfolio
if necessary to maintain health of the portfolio

Team development

Participate in recruitment process to identify the right talent
for positions within the team post onboarding undertakes
initial handholding.

Take steps to motivate the team to ensure retention and
productivity of team members

Establish individual performance expectations and regularly
review individual performance of the team


MAJOR CHALLENGES

(Challenges faced on an ongoing basis in carrying out the job)


Competitive market challenge in regards with pricing


DECISIONS

(Key decisions taken by job holder at his/her end)

Decisions made by job holder


Following decisions are taken by the role:

Assessment for onboarding a particular client


INTERACTIONS

(Key working relationships a job holder needs to have INSIDE and OUTSIDE
the company to accomplish the job)

Internal Clients


Roles you need to interact with inside the organization to enable
success in your day to day work

Credit team: Providing further transaction/ customer details
discuss financial analysis documents respond to queries
etc.

Risk: For portfolio monitoring and review to understand
individual client level exposure and issues with client
repayments


External Clients


Roles you need to interact with outside the organization to enable
success in your day to day work

Client: Engage to maintain and increase client base seek
business growth opportunities and deepen relationships

Channel Partners: Engage with intermediaries to acquire new
relationships discuss payouts and grow business


DIMENSIONS

(Key numerical data which will reflect the scope and scale of activities
concerning this job)

Financial Dimensions

(These should be quantifiable numerical amounts).


NA


Other Dimensions

(Significant volume dimensions associated with the job)


Total Team Size: 1

Number of Direct Reports: 1

Customer segments: HNI /CRE

Geographies: Bengleru &Ahmedabad

Ticket size: INR 5 250 cr.


SKILLS AND KNOWLEDGE

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

Educational Qualifications


Qualifications

CA/ MBA

Work Experience

6 years of work experience

Expertise in product knowledge; Exposure to wholesale lending

Good relationships in the market

Team management

Commerical Real Estate,LRD,Finance modelling,Deal Sourcing