Associate Relationship Manager-NBFC

IDFC FIRST Bank; Chennai District; On-site; INR 800,000 - 1,200,000; Full time

Job summary

IDFC FIRST Bank in Chennai seeks a Credit Analyst to evaluate NBFC/NBFC-MFI credit proposals, analyzing AUM growth, portfolio quality, and capital adequacy.

The role involves preparing credit proposals for committees, coordinating with Credit Risk and Compliance, supporting RMs in meetings and MIS, and handling loan disbursement and documentation while visiting clients to strengthen relationships. 2–5 years in portfolio management and credit analysis is required.

Qualifications

• Experience in portfolio management and credit analysis.
• Ability to prepare credit proposals for committee reviews.
• Experience in liaison with Credit Risk and Compliance.
• Knowledge of NBFC/NBFC-MFI sector dynamics.
• Analytical skills for performance and collections trends.
• Strong communication and stakeholder management.

Responsibilities

• Performing credit appraisal of NBFC & NBFC-MFI clients with factors like AUM growth, portfolio quality, CAR.
• Preparing credit proposals combining financials with sector information for credit committee decisions.
• Coordinating with Credit Risk and Compliance to obtain internal approvals.
• Supporting Relationship Managers in client meetings, presentations, and MIS.
• Managing loan disbursement, documentation, and liaising with legal, compliance.
• Visiting clients to strengthen business relationships.
• Assisting in business/account planning and client targeting.
• Regular NBFC/MFI centre visits and engagement with rating analysts; maintain call reports.
• Analyzing quarterly performance and highlighting trends in collections.

Skills

Credit appraisal

Financial analysis

Portfolio management

Relationship management

Education

Graduation: Any Graduation

Post-graduation: Any Post-graduation

Professional Qualification/Certification: Chartered Accountant (CA)

Job description

Job Requirements

• Performing credit appraisal of NBFC & NBFC-MFI clients through analyzing factors such as AUM growth, Portfolio quality & performance, Portfolio growth, Management quality, CAR, balance sheet analysis etc.
• Preparation of credit proposals combining financials analysis with sectorial information to support credit committee decisions regarding the client's portfolio quality, overall capital adequacy, liquidity, management quality, credit rating etc. of the proposed financing. Liaison with Credit Risk, Compliance to get the credit memo approved internally.
• Handling Early Warning Signal meetings with appropriate responses for each observation, ensuring overall portfolio hygiene.
• Assisting Relationship Managers & Senior Relationship Managers on client's meetings, internal presentations, and MIS.
• Loan disbursement & documentation function; liaison with legal, compliance, audit observations aspects of the proposals.
• Visiting clients to improve business relationship with them.
• Proactively understanding & assisting RMs/ SRMs in preparation of business/account plans, target client identification.
• Centre & Branch visits for NBFC/MFIs, regularly interacting with clients, external rating analysts and maintaining call reports.
• Analyzing quarterly financial performance, Receivable Audit and highlighting trends and deviations in collections & overall portfolio quality periodically.

Job Purpose

Prepare credit proposals to support credit committee decisions regarding the client's portfolio quality, overall capital adequacy, liquidity, management quality, credit rating etc. of the proposed financing.

Roles & Responsibilities

• Performing credit appraisal of NBFC & NBFC-MFI clients through analyzing factors such as AUM growth, Portfolio quality & performance, Portfolio growth, Management quality, CAR, balance sheet analysis etc.
• Preparation of credit proposals combining financials analysis with sectorial information to support credit committee decisions regarding the client's portfolio quality, overall capital adequacy, liquidity, management quality, credit rating etc. of the proposed financing. Liaison with Credit Risk, Compliance to get the credit memo approved internally.
• Handling Early Warning Signal meetings with appropriate responses for each observation, ensuring overall portfolio hygiene.
• Assisting Relationship Managers & Senior Relationship Managers on client's meetings, internal presentations, and MIS.
• Loan disbursement & documentation function; liaison with legal, compliance, audit observations aspects of the proposals.
• Visiting clients to improve business relationship with them.
• Proactively understanding & assisting RMs/ SRMs in preparation of business/account plans, target client identification.
• Centre & Branch visits for NBFC/MFIs, regularly interacting with clients, external rating analysts and maintaining call reports.
• Analyzing quarterly financial performance, Receivable Audit and highlighting trends and deviations in collections & overall portfolio quality periodically.

Educational Qualification

Graduation: Any Graduation

Post-graduation: Any Post-graduation

Professional Qualification/Certification: Chartered Accountant (CA)

Experience

2-5 years of experience in portfolio management & credit analysis role.