Federal Bank/RM-Real Estate/Delhi

Job Description:

Job Title: Relationship Manager – Real Estate / Construction Finance

Role Purpose:
To drive business development and manage relationships with real estate developers and promoters for Construction Finance, Real Estate Finance, and related funding solutions, while ensuring portfolio quality and achievement of business targets.

Key Responsibilities

• Drive Construction Finance (CF) business in line with annual budgets and business targets.
• Identify, acquire, and manage relationships with real estate developers, builders, promoters, and consultants.
• Generate new business opportunities through developer meets, industry events, market visits, and networking.
• Evaluate and originate construction finance proposals for residential, commercial, and mixed-use real estate projects.
• Understand project feasibility, funding requirements, cash flows, approvals, project execution, and repayment capacity.
• Coordinate with Credit, Legal, Technical, Risk, Operations, and Collections teams for timely sanction and disbursement.
• Prepare and present proposals covering project details, promoter profile, project cost, funding structure, sales velocity, receivables, and repayment strategy.
• Maintain strong relationships with existing clients and identify opportunities for incremental funding and cross-selling.
• Monitor portfolio performance, project progress, collections, and adherence to sanctioned terms and conditions.
• Ensure portfolio quality, timely repayments, and minimal delinquency through regular account and project monitoring.
• Develop market intelligence on real estate trends, competitors, pricing, developers, and emerging micro-markets.
• Work with product and credit teams to suggest new products, competitive pricing, and policy modifications based on market requirements.
• Support the launch of new products and expansion into new locations/markets.
• Achieve targets for sanctions, disbursements, AUM, revenue, and portfolio growth.
• Ensure compliance with internal credit policies, regulatory requirements, and risk parameters.

Key Skills / Keywords

Construction Finance | Real Estate Finance | Developer Funding | Real Estate Relationship Management | Project Finance | Builder Acquisition | AUM Growth | Credit Appraisal | Project Monitoring | Financial Analysis | Promoter Evaluation | Disbursement | Portfolio Management | Risk Management | Client Acquisition

Preferred Experience

• 5–15 years of experience in Real Estate Finance / Construction Finance / Project Finance / Developer Funding.
• Experience in a Bank, Housing Finance Company, or NBFC preferred.
• Strong network among real estate developers, builders, promoters, and property consultants.
• Good understanding of real estate project cycles, financial structures, documentation, and credit processes.