Manager/Senior Manager

JOB DESCRIPTION

Job Title	Manager/Senior Manager	Grade	FLI/FMLII
Platform	Infrastructure Finance	Location	Mumbai
Department	Infrastructure Finance	Team Management	N
(Y/N)
Salary Range

JOB PURPOSE

• To Independently manage a part of the balance sheet of the company by managing portfolio of loan assets & relationships

• To be part of the team that carries out detailed appraisal and due diligence of the project/proposal (Technical/Financial/Legal/Regulatory etc) and prepares a customized Appraisal Note on case by case basis and make a convincing pitch of the proposal to the Top Management and the Investment and Credit Committee

PRINCIPAL ACCOUNTABILITIES

Principal Accountabilities:

• Credit Appraisal and Due diligence The role requires execution of a transaction by carrying out a detailed appraisal and due diligence of the project/proposal (Technical/Financial/Legal/Regulatory etc) and prepare a customized Appraisal Note on case by case basis (across sectors), convince Risk (by identifying the Risk and the respective mitigations pertaining to the proposal) and Legal team and make a convincing pitch of the proposal to the Top Management and the Investment and Credit Committee. Considering the long time horizon of infrastructure projects (>30 years) and long tenure of infrastructure facilities (>15 years), should have capability to understand long sectoral trends and structure the transactions accordingly. The process includes steps such as Promoter Analysis, Reference Check of Borrower / Promoter / Sponsor, Market Research & Sector Analysis, Regulatory Risk analysis, Financial Modeling and Analysis, Contract Evaluation, Development of Risk & Mitigation Matrix, SWOT analysis, Term sheet preparation and support in negotiation and Recommendation and Presentation of proposal to Investment Committee

• Closure of Financing document Is expected to work on the draft legal/commercial/contractual document independently and participate in negotiation with the client, Owner’s Legal Counsel and internal legal department under the supervision and guidance of Senior Manager for successful closure of the legal documents. Post sanction of the proposal and issue of Sanction Letter, Coordinate and close transactions & related documents with Internal department such as Legal, Risk, Compliance, Accounts and external entities such as banks, legal counsel, and clients by performing following responsibilities: 1. Preparation, Discussion, and Closure of Transaction/Finance Document 2. Appointment of Lenders Consultant (Lenders Engineer, Lenders Insurance Agent, Lenders Legal Counsel) for Evaluation of Project document etc. and Checking of Insurance Policy

DIMENSIONS

Financial Dimensions (if applicable)

Portfolio Management, Revenue and Profit:- Managing a portfolio of ~ 5 – 7 clients with total portfolio size of ~Rs 500 – 700 Crore.

Fee Based Income: – Responsible for achieving fee based income (cross selling):- Rs 2 Crore– 4 Crore per annum.

Portfolio Quality : Ensure balance between disbursement/asset growth target and portfolio quality above particular rating levels and managing stress and non performing assets below acceptable level.

• SKILLS AND KNOWLEDGE

(State the minimum acceptable proficiency for this job which best indicates the education and/or experience requirements of this job and not the incumbent).

Relevant and total years of Experience

• MBA/CA with experience preferably in Finance Sector

• In-depth understanding of Project Finance concepts, Public private Partnership (PPP) model and associated risks

• Ability to prepare Financial Model

• Basic Sector knowledge in key infrastructure sectors (Power – Generation and T&D, Roads, Ports, Telecom, Construction, Urban Infrastructure)

• Basic understanding of key Acts/Regulations/Order

• Basic understanding of legal aspects in banking