Position: Relationship Manager

Location: Mumbai

Reporting to: Deputy Zonal Head.

Required: 1.5 - 3 years post MBA experience (B schools preferred). Pass out year 2016,2017 Or CA/CFA.

- Accountability Supporting Actions

- To assist Deputy Zonal Head in delivering budgeted sales volumes, profitability and Fee Income in the designated area.

- To assist Zonal Head in implementing devised Business strategy for the Zone and tap local network to achieve the budgeted business volumes / Net Interest Income / Fees / Asset Book etc.

- To initiate cross selling initiatives for generating additional revenues.

- To undertake new client acquisition along with DZH and establish healthy working relationships with the existing / target Customers at their middle management levels.

- To identify prospective Business houses, Corporates, Intermediaries & Bankers in the designated area & establish relationships to have a healthy pipeline & regular business.

- As all PSFG clients are large corporate houses, it is important for PSFG to ensure that PSFG's relationship with the Customer is established across the Customer's hierarchy from Promoter to CFO to Senior Management to Mid Management to Operating level. Such strong relationships help not just in sourcing good business opportunities but also in Collections, in case of any adverse financial position of the Customer. RM should constantly engage with existing / target customers at their middle management to operating levels and Build long term & sustainable business relationship to identify their latent / express needs on funding requirements and generate leads for PSFG. Such strong relationships help not just in sourcing good business opportunities but also in effective post-disbursement monitoring & Collections (in case of any adverse financial position of the Customer).

- To set high standards of Deal Structuring, Due Diligence& Loan Documentation

- To have sectoral and product knowledge which enables effective deal structuring & term sheet discussions with the customer

- To conduct detailed due diligence, analysis, evaluation of the deal thereby resulting in high quality appraisal

- To work closely with Legal team to ensure that the loan documentation is closed with the customers to the satisfaction of PSFG

- To maintain constant interactions with the clients, ensure effective Customer Service standards and superior client satisfaction.

- To ensure satisfaction for the Portfolio clients &ensure effective servicing for their various requirements from loan processing to information requirements to post disbursement requirements like balance confirmations, NOCs etc

- To resolve issues related to client servicing and co-ordinate with the Risk / OPS/ Finance/ Credit / Legal teams.

- To be aware of risk management and regulatory norms and credit policy/process adherence, conduct portfolio review

- To be aware of all critical policies, processes & documentation for all the PSFG products & ensure compliance.

- To undertake documentation and KYC formalities for the customers in a seamless manner while managing good TATs.

- To keep up breast of the latest developments in the local market & report for any indication of customer defaults, sectoral changes etc.

- To formulate periodic MIS for the routine activities

- To send periodic reports to Business Heads / Zonal Head for potential business opportunities etc.

- To report MIS and tracking of targets & personal meeting with clients with status of deals in pipeline

- To contribute in team development and skill enhancement

- To ensure ongoing self-development - attend internal and external training programs, other relevant certifications that enhances the skills in the financial services sales

- To develop sectoral expertise in key infrastructure & allied sectors

- To develop financial model ling expertise

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