Associate- Capital Consultant

Keka Inc.; Gujarat; On-site; INR 600,000 - 900,000; Full time

Job summary

Keka Inc. in India seeks a relationship-driven finance professional to acquire and manage SME and mid-market clients, understand their funding needs, and deliver financing solutions.

The role blends business development, working capital advisory, and credit assessment, with a focus on building long-term relationships with founders, CEOs, and CFOs. You will structure working capital, term loans, and expansion funding; assess cash flows and collateral; manage and grow portfolios; and coordinate

Qualifications

• Experience in acquiring SME/mid-market clients and understanding funding needs.
• Strong ability to assess credit risk and financial statements.
• Proven negotiation and stakeholder management skills.

Responsibilities

• Acquire SME and mid-market clients through outreach, referrals, founder engagement, and networks.
• Build relationships with founders and senior finance leaders to understand growth plans and financing needs.
• Structure financing solutions across working capital, term loans, and expansion funding.
• Evaluate cash flows, liquidity, debt capacity, and collateral to assess funding suitability.
• Grow client portfolios by identifying additional financing opportunities and ensuring service quality.
• Coordinate with credit, risk, and operations teams to support approval and timely disbursement.
• Assess risks in complex financing scenarios like expansion and asset purchases.
• Align financing recommendations with clients' working capital cycles and growth needs.
• Monitor portfolio performance and market trends to identify new opportunities.

Skills

Relationship management

Credit appraisal

Financial analysis

Negotiation

Communication

Education

MBA/PGDM in Finance

Job description

We are looking for a relationship-driven finance professional to acquire and manage SME and mid-market clients, understand their funding requirements, and deliver appropriate financing solutions. The role combines business development, working capital advisory, credit assessment, and portfolio management, with a strong emphasis on building long-term relationships with founders, CEOs, and CFOs.

Key responsibilities:

• Acquire SME and mid-market clients through targeted outreach, referrals, founder engagement, and professional networks.
• Build trusted relationships with founders and senior finance leaders to understand business performance, growth plans, and financing needs.
• Structure financing solutions across working capital, term loans, project finance, debt consolidation, and expansion funding.
• Evaluate financial statements, cash flows, liquidity, profitability, debt-servicing capacity, and collateral to assess funding suitability.
• Manage and grow client portfolios by identifying additional financing opportunities, strengthening retention, and maintaining service quality.
• Coordinate with internal credit, risk, and operations teams to support assessment, documentation, approval, and timely disbursement.
• Assess risks associated with complex financing requirements, including business expansion, asset acquisition, and debt restructuring.
• Align financing recommendations and deployment with clients’ working capital cycles and growth requirements.
• Monitor portfolio performance and emerging risks, coordinating timely action with relevant stakeholders.
• Track market trends and competitor offerings to identify new business opportunities.

Who We're Looking For

• 2-3 years Relevant experience in banking or NBFC lending, particularly SME or mid-market relationship management, working capital finance, or corporate lending.
• Demonstrated ability to acquire clients, deepen relationships, and grow a lending portfolio
• Strong understanding of credit appraisal, financial analysis, cash-flow assessment, and risk mitigation.
• Experience translating business requirements into customized financing solutions.
• Confidence engaging with founders, CEOs, CFOs, and other senior stakeholders.
• Ability to balance commercial growth with credit quality, compliance, and customer experience.
• Experience coordinating cross-functional teams and managing multiple client requirements.
• Strong communication, negotiation, analytical, and problem-solving skills.
• MBA/PGDM in Management, Finance, or a related discipline preferred.