Kotak Mahindra Investment LTD / Real Estate RM - Delhi

Job Description:

ob Title: Relationship Manager – Construction Finance

Department: Real Estate / Infrastructure Finance
Location: [City/Region]
Reports To: Regional Sales Manager / Zonal Head

Job Purpose:

To originate and manage a portfolio of real estate developer clients, with a primary focus on funding residential and commercial construction projects. The RM will be responsible for sourcing business, structuring deals, credit evaluation, and relationship management.

Key Responsibilities:

1. Business Development & Deal Origination

• Identify and onboard mid to large-sized real estate developers for construction finance products.

• Generate leads through market intelligence, broker/channel partners, and personal network.

• Achieve assigned disbursement targets for construction/project finance.

2. Client & Relationship Management

• Maintain strong relationships with key decision-makers of real estate companies.

• Regularly monitor project progress, ensure proper end-use of funds, and track repayments.

• Act as a single point of contact for client servicing, query resolution, and project updates.

3. Credit Appraisal & Risk Analysis

• Prepare detailed credit proposals with project cash flows, cost estimates, and viability assessments.

• Coordinate with credit and risk teams for appraisal, due diligence, and sanction processes.

• Assess project approvals, RERA compliance, and legal/technical due diligence reports.

4. Structuring & Documentation

• Structure funding solutions (LRD, LAP, CF) based on developer needs and project life cycle.

• Ensure timely execution of loan documentation, mortgage creation, and disbursement.

5. Portfolio Monitoring & Collections

• Track project milestones and ensure adherence to financial covenants.

• Flag early warning signals and proactively manage delinquencies or stress situations.

• Coordinate with legal/recovery teams for resolution where necessary.

Key Skills Required:

• Strong knowledge of construction/project finance, real estate regulations, and funding structures.

• Deep network in the real estate ecosystem (developers, consultants, brokers).

• Strong financial analysis and credit appraisal capabilities.

• Excellent negotiation, communication, and relationship management skills.

Qualifications & Experience:

• Graduate/Post-Graduate in Finance, MBA, CA preferred.

• 4–10 years of relevant experience in construction finance or real estate lending.

• Proven track record of deal closures and portfolio management in the real estate sector.