Assistant Manager - Partnership & Alliance

Ratnaafin Capital; Mumbai; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Ratnaafin Capital in Mumbai seeks a dynamic business development and operations professional to drive partnerships with Lending Service Providers and educational institutions. You will manage underwriting support, funnel tracking, portfolio analytics, and ensure regulatory compliance while engaging field teams.

This role offers heavy cross-functional collaboration across Credit, Operations, IT, Risk, and field engagement to deliver timely, risk-managed growth.

Qualifications

Responsibilities

• Partner scouting & onboarding with LSPs and fintech partners.
• Relationship management with lending partners.
• Sourcing & expansion in Educational Institution ecosystem.
• Cross-functional coordination with Credit, Operations, IT, Risk teams.
• Preliminary financial appraisals and credit assessments.
• Case funnel management, document procurement, and underwriting handoffs.
• TAT and SLA tracking across pipeline stages.
• Portfolio MIS, analytics and regular performance reviews.
• Early warning signals monitoring and default mitigation.
• Regulatory RBI compliance and co-lending guidelines.
• Field PDs and borrower/institution engagements.

Job description

Role & responsibilities

1. Business Development & LSP Partnerships

• Partner Scouting & Onboarding: Identify, scout, and onboard new Lending Service Providers (LSPs) and fintech partners in alignment with business strategies.
• Relationship Management: Build and nurture commercial and strategic relationships with target and existing lending partners.
• Sourcing & Expansion: Independently source new business leads, focusing on the Educational Institution ecosystem.
• Cross-Functional Coordination: Connect external partners with internal RCPL teams (Credit, Operations, IT, Risk) to ensure smooth integration and execution of partnership deliverables.

2. Underwriting, Operations & Funnel Management

• Preliminary Assessment: Conduct initial financial appraisals and preliminary credit assessments before logging cases into underwriting.
• Case Operations & Funnel Tracking: Manage the login case funnel, coordinate document procurement from clients/partners, and ensure smooth handoffs to underwriting.
• TAT & SLA Management: Monitor Turnaround Times (TATs) at each pipeline stage, track sanction conditions and Post-Disbursement Documents (PDDs), and elevate delays to meet resolution timelines.

3. Portfolio Management & Risk Mitigation

• Portfolio MIS & Analytics: Prepare detailed MIS reports to track portfolio performance across products and partners.
• Early Warning Signals (EWS): Perform ongoing case and portfolio monitoring to spot early warning indicators and mitigate potential defaults.
• Collections & Reviews: Coordinate portfolio reviews and collection strategies at both product and partner levels.

4. Regulatory Compliance & Field Engagement

• RBI Compliance: Maintain a thorough understanding of Reserve Bank of India (RBI) guidelines governing digital lending, LSPs, regulatory caps, and co-lending frameworks.
• Field Personal Discussions (PDs): Travel for business meetings, Personal Discussions (PDs) with borrowers/institutions, and direct sourcing activities.