Relationship Manager - Retail Asset Reconstruction & Financing

Kotak Securities Limited; Chennai; On-site; INR 900,000 - 1,800,000; Full time

Job summary

Kotak Securities Limited seeks an experienced Relationship Manager to drive origination and execution across private credit, structured finance, and alternate assets. You will build relationships with promoters, CFOs, treasurers, and market participants while assessing deals through rigorous financial analysis and due diligence.

The role emphasizes transaction structuring, risk assessment, and end-to-end deal execution with adherence to regulatory policies, aiming to grow the bank's asset-based

Qualifications

• MBA (Finance), CA, CFA, or equivalent qualification from a reputed institution.
• 6-15 years of experience in Private Credit, Structured Finance, Corporate Banking, Wholesale Banking, Investment Banking, NBFCs, AIFs, or Alternate Asset Management.
• Strong understanding of structured lending products, private credit transactions, debt instruments, and capital structures.
• Experience in financial statement analysis, cash flow modelling, credit underwriting, and transaction structuring.
• Established network with corporate clients, financial sponsors, intermediaries, and market participants.
• Sound knowledge of legal documentation, security structures, covenants, and transaction negotiations.
• Strong stakeholder management, relationship-building, and execution capabilities.
• Excellent communication, presentation, and negotiation skills

Responsibilities

• Drive business development and origination across Private Credit, Structured Finance, Alternate Assets, and Special Situations financing.
• Source and execute transactions including structured loans, acquisition financing, promoter funding, HoldCo financing, refinancing, growth capital, mezzanine debt, and PE-backed opportunities.
• Build and maintain strong relationships with Promoters, CFOs, Treasury Heads, Investment Bankers, Private Equity Funds, Venture Capital Funds, Family Offices, and Market Intermediaries.
• Evaluate financing opportunities through detailed financial analysis, business assessment, cash flow evaluation, and risk review.
• Coordinate with internal stakeholders for credit appraisal, due diligence, legal documentation, approvals, and disbursement.
• Structure customized financing solutions aligned with client requirements and the Bank's risk appetite.
• Monitor portfolio performance, asset quality, covenant compliance, and early warning indicators.
• Maintain a robust deal pipeline and continuously identify new opportunities through market intelligence and industry networking.
• Ensure adherence to regulatory guidelines, internal credit policies, risk governance, and compliance standards.
• Prepare pitch notes, credit proposals, transaction summaries, and portfolio reviews for senior management.

Education

MBA (Finance)

CA

CFA

Job description

Relationship Manager_RARF(RETAIL ASSET RECONSTRUCTION FINANCING)_0405_0461_1044221_HRR

Key Responsibilities

• Drive business development and origination across Private Credit, Structured Finance, Alternate Assets, and Special Situations financing.
• Source and execute transactions including structured loans, acquisition financing, promoter funding, HoldCo financing, refinancing, growth capital, mezzanine debt, and PE-backed opportunities.
• Build and maintain strong relationships with Promoters, CFOs, Treasury Heads, Investment Bankers, Private Equity Funds, Venture Capital Funds, Family Offices, and Market Intermediaries.
• Evaluate financing opportunities through detailed financial analysis, business assessment, cash flow evaluation, and risk review.
• Coordinate with internal stakeholders for credit appraisal, due diligence, legal documentation, approvals, and disbursement.
• Structure customized financing solutions aligned with client requirements and the Bank's risk appetite.
• Monitor portfolio performance, asset quality, covenant compliance, and early warning indicators.
• Maintain a robust deal pipeline and continuously identify new opportunities through market intelligence and industry networking.
• Ensure adherence to regulatory guidelines, internal credit policies, risk governance, and compliance standards.
• Prepare pitch notes, credit proposals, transaction summaries, and portfolio reviews for senior management.

Job Requirements

• MBA (Finance), CA, CFA, or equivalent qualification from a reputed institution.
• 6-15 years of experience in Private Credit, Structured Finance, Corporate Banking, Wholesale Banking, Investment Banking, NBFCs, AIFs, or Alternate Asset Management.
• Strong understanding of structured lending products, private credit transactions, debt instruments, and capital structures.
• Experience in financial statement analysis, cash flow modelling, credit underwriting, and transaction structuring.
• Established network with corporate clients, financial sponsors, intermediaries, and market participants.
• Sound knowledge of legal documentation, security structures, covenants, and transaction negotiations.
• Strong stakeholder management, relationship-building, and execution capabilities.
• Excellent communication, presentation, and negotiation skills