Regional Relationship Head - Sales - Banking & Finance

REGIONAL RELATIONSHIP HEAD JD Required Skills & Competencies: - Analytical thinking and attention to detail. - Integrity and strong ethical standards. - Effective communication and reporting. - Process orientation and innovative mindset. - Networking and stakeholder management. - Ability to conduct training and awareness sessions. Key Responsibilities: - To assist 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. - To identify prospective Business houses, Corporates, Intermediaries & Bankers in the designated area & establish relationships to have a healthy pipeline & regular business. - To undertake new client acquisition and establish healthy working relationships with the existing / target Customers at their middle management levels. - All sanction from bilateral deals with direct client relationship; no syndication / down-sell from other lenders. - Operational Effectiveness: Drive process efficiencies and faster TATs through strong relationships with stakeholders across processes and functions (Risk, Operations) & direct client relationships. - High quality & in-depth credit appraisal. - Successful cross-selling of other products of ABFL/ABC to potential business groups. - To set high standards of Client Relationship Management - Negotiation of the Term sheets, NOCs, Pricing etc. - Wide sector and market knowledge which enables effective deal structuring & term sheet discussions with the customer. - 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 conduct portfolio review and ensure strong adherence to risk management and regulatory norms and credit policy/process. - To be aware of all critical policies, processes & documentation for all the PSFG products & ensure compliance. - To revisit existing processes/policies and suggest improvements to improve efficiency w.r.t. cost. - To ensure high standards of portfolio management (shared accountability with Risk Management team). - To conduct proactive rigorous post disbursement tracking of clients through site visits, financial & operational performance review etc. - To ensure compliance of all critical policies & procedures, documentary and audit requirements for the business proposals and the portfolio on an ongoing basis.