Finance & Banking Relationship Manager

Meritshot Zetta Edutech; Sector 10; On-site; INR 900,000 - 1,500,000; Full time

Job summary

Meritshot Zetta Edutech in India seeks an experienced Credit Manager / Relationship Manager to lead SME lending activities. You will prepare CMA reports, model cash flows and working capital needs, and coordinate with banks to drive credit approvals.

The role requires 3–7 years in SME/commercial lending or corporate treasury, plus strong negotiation and communication with bank officials. Finance degree highly preferred.

Qualifications

• 3 to 7 years of direct experience in SME/Commercial Lending, Debt Syndication, or Corporate Treasury.
• Prior experience as Credit Manager / Relationship Manager in SME banking or debt advisory is preferred.
• Expert CMA preparation, financial ratio analysis, and credit underwriting norms.
• Strong negotiation and communication skills with bank officials.
• CA, CA-Inter, MBA (Finance) or equivalent degree.

Responsibilities

• Prepare CMA reports, cash flow projections, and working capital requirement models.
• Coordinate with public/private sector banks and NBFCs, handling credit committee interactions.
• Resolve bank queries regarding audited balance sheets, GST matching, debtor aging, and viability.
• Manage the disbursement process: legal search reports, property valuation, stock inspections, and documentation.
• Maintain post-sanction compliance: monthly stock and debtor statements, DP calculations, and renewals.

Skills

CMA preparation

Financial ratio analysis

Credit underwriting norms

Negotiation

Communication

Education

CA / CA-Inter

MBA (Finance)

Job description

Key Responsibilities:

• - Prepare complete Credit Monitoring Arrangement (CMA) reports, cash flow projections, and working capital requirement models.
• - Coordinate directly with public/private sector banks and NBFCs, leading end-to-end interactions with credit committees and relationship managers.
• - Resolve bank queries regarding audited balance sheets, GST matching, debtor aging, and business viability.
• - Manage the disbursement process, including legal search reports, property valuation, stock inspections, and documentation execution.
• - Maintain post-sanction compliance: monthly stock and debtor statements, Drawing Power (DP) calculations, and annual renewals.

Required Experience & Qualifications:

• - 3 to 7 years of direct experience in SME/Commercial Lending, Debt Syndication, or Corporate Treasury.
• - Prior experience working as a Credit Manager / Relationship Manager in an SME banking division or in a specialized debt consulting advisory is strongly preferred.
• - Expert-level command over CMA preparation, financial ratio analysis, and credit underwriting norms.
• - Strong negotiation and communication skills with bank officials.
• - CA, CA-Inter, MBA (Finance), or equivalent commercial finance degree.