Intellectual Capital HR Consulting Pvt. Ltd. | Head of Credit- CRE | mumbai

1 month ago


mumbai, India Intellectual Capital HR Consulting Pvt. Ltd. Full time

Position: Credit Head

Total Experience: 10+ years


Relevant Experience:

  • Minimum 10 years in credit management, with significant exposure to the real estate finance industry.
  • Proven experience in team handling.


Qualification:

MBA, CA, or CFA


Industry:

Extensive experience in credit management within the real estate finance industry. Preferred background in Investment Banking (IB) or Financial Institutions, specifically in the Real Estate Department.


Reporting To:

Senior Management


Location:

  • Mumbai-HO with travel as per the requirements of the role.
  • Skills / Competencies:
  • Strong leadership skills with the ability to manage and mentor a team effectively.
  • Self-starter with a robust understanding of financial products and services related to real estate development projects.
  • Team player with excellent communication and interpersonal skills.
  • Detail-oriented and results-driven, focused on delivering high-quality work and achieving organizational objectives.
  • Proficient in financial modelling, cash flow analysis, and real estate-specific financial analysis.
  • Strong negotiation skills and ability to liaise with bankers and external agencies.
  • Proficiency in Microsoft Excel and Word.
  • Analytical skills, attention to detail, financial acumen, and integrity.


Responsibilities:

  • Lead the credit function, ensuring robust evaluation and approval processes.
  • Interact with clients to understand their requirements, collate necessary data, and prepare and submit proposals to Banks/FIs.
  • Conduct in-depth credit assessments involving financial, credit, legal, technical, economic, and risk analysis.
  • Structure proposals, review information memoranda, teasers, financial models, cash flow, and CMA projections.
  • Maintain a solution-oriented attitude, resolving queries from banks and clients.
  • Build and maintain relationships at top levels of financial institutions.
  • Stay updated on market trends, competitor activities, and regulatory changes impacting the real estate finance landscape, providing strategic insights to senior management.
  • Oversee transaction structuring, due diligence, and documentation.
  • Manage multiple transactions concurrently.



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