About the role
Key Result Areas Supporting Actions Strategy creation & implementation To steer strategic path for the SME LAP business, encourage customer segmentation and needs assessment, determine the size and potential profitability of large clients and plan product offerings accordingly basis respective regions. To implement business strategies that are aligned with the overall goals of the NBFC and SME business Enhance relationships with heads of Syndication Desks / DCM Teams of Banks, NBFCs & IPCs to ensure showcasing of all deals. Form partnerships with key stakeholders like PE funds, Real estate advisory companies, real estate consultancy, banks and other NBFC, marquee consultants and other real estate professional organizations, ex-bankers etc in the real estate sector To analyze high potential business areas, and assess the potential within Group companies To steer increase in fee-based income activities, including cross-selling initiatives Create brand differentiation through faster TAT & innovative solutions which meet internal risk parameters as well To interact and engage with various recognized industry bodies, forums for various sectors to create awareness and visibility of the structured and customized product offerings by SME LAP SME team Structuring of deal to meet the internal ABCL risk parameters and Customer requirement Structuring of deal as per internal parameters and customer requirements. Nuanced understanding of risk and return. To work with the Central Risk teams to identify risk areas and build processes to mitigate risk, including performance metrics and documented procedures To ensure acceptable asset quality of loans is maintained at all times and there are minimal NPAs; to track the delinquencies very closely Attain business objectives To periodically review targets with sales team to ensure that budgeted targets are met for sales volumes, yields, cross selling etc. To maximize profitability by driving higher spread achievement & effective cost management Portfolio Management, Retention of existing clients, Repeat Business from existing clients and Monitoring and collection, Resolving audit queries Keep abreast of local currents happening at market place to take key decisions before any event happens in market place To be in touch with existing client base on a regular basis to ensure retention and repeat business To ensure regular debt servicing and compliance of all covenants by continuous engagement with borrower group To proactively and timely obtain and analyse MIS data on monthly/ quarterly basis depending on sector and type of transactions and identify any red flags or early warning signals To issue NOC and other documents as and when asked by the customer for ensuring smooth business operations on a regular basis To engage with the risk team and audit team for providing timely clarifications to the auditors to address their audit findings as applicable