Associate/ Sr Associate - Venture Financing - Business Development

Capwise Financial Services; Mumbai; On-site; INR 1,200,000 - 2,400,000; Full time

Job summary

Capwise Financial Services in Mumbai seeks a focused NBFC business development and credit professional to lead origination across corporate, SME and structured finance, and to build a robust credit evaluation process. You will nurture promoter and CFO relationships, prepare credit memos, present to sanctioning authorities, and drive end-to-end deal structuring under RBI guidelines.

This role requires strong financial modelling, negotiation skills, and the ability to operate under tight

Qualifications

• MBA/CA/CFA or equivalent finance qualification.
• 3-5 years of NBFC/bank credit and origination experience.
• Strong financial modelling and credit analysis skills.
• Knowledge of RBI policy frameworks.
• Entrepreneurial, deal-end-to-end ownership mindset.

Responsibilities

• Lead generation and origination across corporate, SME, and structured finance.
• Build and manage relationships with promoters, CFOs and treasury teams.
• Present lending capabilities and tailor pitches to client needs.
• Assess credit risk through financial analysis and underwriting.
• Prepare credit memos and support sanctioning process.
• Maintain origination pipeline and provide MIS to Head - NBFC.
• Monitor market trends to refine origination strategy.

Skills

Financial modelling

Credit analysis

Deal origination

Negotiation skills

RBI regulations knowledge

Networking

Education

MBA

CA

CFA

Job description

Key Responsibilities

• 1. Lead Generation & Origination
  • Deal Sourcing: Identify and originate lending opportunities across corporate, SME and structured finance segments through market outreach, referrals and internal networks.
  • Market Mapping: Map target industries, geographies and client segments to build a robust, qualified origination pipeline aligned with the NBFCs credit appetite.
• 2. Relationship Management
  • Client Relationships: Build and nurture relationships with promoters, CFOs and corporate treasury teams to generate repeat and referral business.
  • Channel Partnerships: Develop relationships with DSAs, intermediaries, consultants and other channel partners to expand origination reach.
• 3. Pitching & Preliminary Structuring
  • Client Pitching: Present the NBFCs lending capabilities and product offerings to prospective clients, tailoring pitches to their financing needs.
  • Preliminary Terms: Understand prospective clients financing requirements and outline preliminary indicative terms and deal structure.
• 4. Credit Appraisal & Underwriting
  • Financial & Risk Analysis: Conduct in-depth financial and credit analysis of borrowers cash flows, leverage, working capital cycle, collateral and promoter strength as part of the underwriting process.
  • Structuring & Risk Mitigation: Assess industry and business risk, and recommend appropriate deal structure, security, covenants and risk-based pricing basis the borrowers risk profile.
• 5. Credit Memo Preparation & Committee Presentation
  • Credit Memo Drafting: Prepare comprehensive, accurate credit memos covering business overview, financial analysis, industry risk, structure, collateral and risk mitigants, supported by robust financial models.
  • Committee Presentation: Present credit memos to the Credit Committee/Sanctioning Authority, respond to queries and incorporate conditions precedent (CPs) as directed, prior to handoff for final sanction.
• 6. Pipeline & Reporting
  • Pipeline Management: Maintain an accurate, up-to-date pipeline of prospects, tracking progress from lead through to credit memo submission.
  • MIS & Reporting: Provide regular origination and credit-memo pipeline updates to the Head - NBFC.
• 7. Market Intelligence
  • Competitive Awareness: Track competitor offerings, market pricing and industry trends to refine origination strategy, deal structuring and positioning.

Requirements

• Qualifications & Experience
  • Education: MBA, Chartered Accountant (CA), CFA, or equivalent professional qualification in finance.
  • Experience: 3 - 5 years of combined business development and credit experience within an NBFC, bank or financial services firm, having handled both origination and credit appraisal.
  • Network: Existing relationships with corporates, promoters or intermediaries within target sectors are highly valued.
  • Technical Skills: Strong financial modelling, credit analysis and negotiation skills, with a working knowledge of RBI regulations and credit policy frameworks.
  • Attributes: Entrepreneurial and self-driven, comfortable owning a deal end-to-end from sourcing through to credit memo, with high accountability and comfort operating under tight turnaround times.

Disclaimer: This job posting has been aggregated from external source. Role details, content, and availability are subject to change. Applicants are advised to confirm the latest information directly on the company website before applying.