Aditya Birla Housing Finance Sr RM. (Mumbai)

Job Description: Job Title: Senior Relationship Manager Construction Finance Department: Corporate / Real Estate Finance Location: [Insert Location] Reporting To: Head Construction Finance / Corporate Banking Job Summary The Senior Relationship Manager (SR RM) Construction Finance is responsible for acquiring, managing, and growing relationships with real estate developers, construction companies, and infrastructure clients. The role involves assessing project viability, structuring construction loans, managing portfolio quality, ensuring compliance, and driving revenue through new business and cross-selling. Key Responsibilities 1. Business Development & Client Acquisition - Identify, target, and onboard reputable real estate developers and construction firms. - Generate recent business for construction finance, lease rental discounting (LRD), project loans, and working capital products. - Build a strong pipeline through market intelligence, networking, and channel partners. 2. Relationship Management - Act as the primary point of contact for key clients, ensuring timely support and high service quality. - Deepen wallet share by cross-selling treasury, CASA, insurance, and other banking products. - Maintain long-term, trust-based relationships with promoters and senior management. 3. Credit Assessment & Structuring - Evaluate project feasibility, market demand, cash flows, construction timelines, and promoter financials. - Structure complex construction finance proposals including tranche disbursements, escrow mechanisms, and security packages. - Prepare and present detailed credit proposals for internal committees. - Collaborate with credit, risk, and legal teams to ensure robust structuring. 4. Portfolio & Risk Management - Monitor portfolio quality, project progress, receivables status, and covenant compliance. - Conduct periodic site visits and ensure timely identification of early warning signals (EWS). - Manage delinquencies, resolve .