Construction Finance Lead For NBFC

• MBA (Finance) or Chartered Accountant (CA) is mandatory
• 45 years of relevant experience in construction/project finance, preferably in an NBFC or financial institution
• Strong experience in client acquisition, deal origination, and relationship management with real estate developers
• Proficient in financial modeling, credit appraisal, and investment note preparation
• Exposure to due diligence (technical, financial, legal, regulatory) for real estate projects
• Experience in drafting and closing financing/legal documents (term sheets, sanction letters, loan agreements)
• Strong knowledge of real estate sector dynamics, especially affordable housing and regulatory environment (e.g., RERA)
• Hands-on experience in post-disbursement monitoring and portfolio management
• Excellent communication, negotiation, and stakeholder management skills
• Proficiency in MS Excel and PowerPoint
  
  To enable real estate developers and buildersparticularly in the affordable housing segmentto raise construction/project finance through structured financial solutions. The role involves deal origination, credit appraisal, transaction execution, and post-disbursement monitoring.

Role & responsibilities

• Client Acquisition: Actively sources new relationships with real estate developers and builders.
• Lead Generation: Identifies and engages prospects through market intelligence, intermediaries, and sector tracking.
• Solution Selling: Customizes financial offerings (construction/project finance) based on the clients needs.
• Relationship Management: Maintains and grows long-term client relationships to generate repeat business.
• Revenue Target Ownership: Typically includes sales targets related to loan book growth, disbursals, or client onboarding.

Major Deliverables

• Source new business opportunities from real estate developers and builders.
• Originate and evaluate loan proposals for construction and project finance.
• Conduct comprehensive due diligence and prepare appraisal notes.
• Manage end-to-end credit, legal, and technical evaluation of projects.
• Build and maintain relationships with key stakeholders including developers, intermediaries, brokers, funds, and industry experts.
• Maintain a dynamic database of industry contacts and market intelligence.

Principal Accountabilities

A. Business Development & Deal Origination

• Proactively identify and engage potential clients through market research, networking, and industry tracking.
• Support structuring of tailored financial solutions based on client requirements.
• Liaise with intermediaries and ecosystem players to generate leads.

B. Credit Appraisal & Due Diligence

• Conduct detailed appraisal and risk assessment of real estate projects.
• Perform promoter background checks, market analysis, regulatory review, and financial modeling.
• Prepare investment memorandums/appraisal notes and present them to the Investment/Credit Committee.
• Develop risk mitigation frameworks including SWOT analysis and regulatory risk matrices.

C. Legal & Documentation Closure

• Assist in drafting term sheets and legal/contractual documents.
• Coordinate with internal and external legal teams, clients, and consultants for successful execution of transaction documents.
• Ensure compliance with all pre-commitment and pre-disbursement conditions.
• Facilitate the creation and perfection of security for disbursements.

D. Portfolio Monitoring & Management

• Continuously monitor project progress post-disbursement.
• Maintain active communication with clients, lenders engineers, consultants, and internal teams (Risk, Compliance, Accounts).
• Identify early warning signals and recommend corrective actions as needed.

Qualifications & Experience

• Any Graduate or MBA (Finance) or Chartered Accountant (CA).
• 1-6 years of relevant experience, preferably in NBFCs or financial institutions handling real estate/construction finance.
• Strong financial modeling skills.
• Working knowledge of legal documentation and banking regulations.

Key Skills & Competencies

• Communication: Excellent verbal and written skills; ability to present complex proposals persuasively to senior management and investment committees.
• Client Management: Ability to build rapport across multiple client functions (finance, technical, legal, operations).
• Cross-functional Coordination: Skilled in coordinating with internal teams (Risk, Legal, Accounts) and external stakeholders (consultants, counsels).
• Analytical Skills: Strong financial acumen with attention to detail and a structured approach to due diligence.
• Negotiation: Capable of participating in legal/financial negotiations under supervision.

Preferred candidate profile

• ANy Graduate -MBA (Finance) or Chartered Accountant (CA)
• 1- 6 years of relevant experience in construction/project finance, preferably in an NBFC or financial institution
• Strong experience in client acquisition, deal origination, and relationship management with real estate developers
• Proficient in financial modeling, credit appraisal, and investment note preparation
• Exposure to due diligence (technical, financial, legal, regulatory) for real estate projects
• Experience in drafting and closing financing/legal documents (term sheets, sanction letters, loan agreements)
• Strong knowledge of real estate sector dynamics, especially affordable housing and regulatory environment (e.g., RERA)
• Hands-on experience in post-disbursement monitoring and portfolio management
• Excellent communication, negotiation, and stakeholder management skills
• Proficiency in MS Excel and PowerPoint