Relationship Manager - Secured Direct

Saison International; Nizamabad District; On-site; INR 1,500,000 - 2,500,000; Full time

Job summary

Credit Saison India is seeking a Relationship Manager - Secured Direct to manage and grow a portfolio of secured direct lending clients, focusing on building strong relationships and identifying their financial needs to offer suitable lending solutions.

The role requires 5–7 years’ experience in relationship management within financial services, with a strong focus on secured direct lending, plus an MBA preferred.

Qualifications

• Bachelor's degree in Finance, Business Administration, Economics, or a related field; MBA preferred.
• Minimum of 5-7 years in relationship management within financial services, with focus on secured direct lending.
• Proven track record of growing a client portfolio and achieving sales targets.
• In-depth knowledge of secured lending products, credit analysis, and risk management principles.
• Strong financial modeling and analytical skills; ability to interpret complex data.
• Excellent communication, negotiation, and presentation skills.
• Ability to build and maintain relationships with clients and internal stakeholders.

Responsibilities

• Proactively manage and expand a portfolio of secured direct lending clients, ensuring high client satisfaction and retention.
• Identify and cultivate new business opportunities within secured direct lending, meeting sales targets.
• Conduct thorough financial analysis and due diligence for loan applications, assessing creditworthiness and risk.
• Structure and negotiate complex secured lending deals, ensuring mutually beneficial terms and policy compliance.
• Prepare and present detailed credit proposals to internal committees, outlining risk mitigation and client benefits.
• Monitor market trends, regulatory changes, and competitive landscape in secured direct lending.
• Collaborate with credit, legal, and operations teams to ensure seamless client service and efficient execution.
• Monitor portfolio performance and mitigate potential non-performing loans.
• Represent the company at industry events to enhance brand visibility and generate leads.

Skills

Relationship management

Financial analysis

Communication

Negotiation

Presentation

CRM systems

Education

Bachelor's degree in Finance/Business/Economics

MBA preferred

Tools

CRM software

Financial software

Job description

Job Summary

As a Relationship Manager - Secured Direct, you will be responsible for managing and growing a portfolio of secured direct lending clients, focusing on building strong relationships and identifying their financial needs to offer appropriate lending solutions.

Job Responsibilities

• Proactively manage and expand a portfolio of existing secured direct lending clients, ensuring high levels of client satisfaction and retention.
• Identify and cultivate new business opportunities within the secured direct lending space, meeting and exceeding sales targets.
• Conduct thorough financial analysis and due diligence for loan applications, assessing creditworthiness and risk profiles.
• Structure and negotiate complex secured lending deals, ensuring terms are mutually beneficial and adhere to company policies and regulatory guidelines.
• Prepare and present detailed credit proposals to internal committees, articulating risk mitigation strategies and client benefits.
• Maintain a deep understanding of market trends, competitive landscape, and regulatory changes within secured direct lending.
• Collaborate with internal teams, including credit, legal, and operations, to ensure seamless client service and efficient transaction execution.
• Monitor portfolio performance, identify potential risks, and implement strategies to mitigate non-performing loans.
• Represent the company at industry events and networking functions to enhance brand visibility and generate leads.

Job Qualifications

• Bachelor's degree in Finance, Business Administration, Economics, or a related field. MBA preferred.
• Minimum of 5-7 years of experience in relationship management within the financial services industry, with a strong focus on secured direct lending.
• Proven track record of success in managing and growing a client portfolio and achieving sales targets.
• In-depth knowledge of secured lending products, credit analysis, and risk management principles.
• Strong financial modeling and analytical skills, with the ability to interpret complex financial data.
• Excellent communication, negotiation, and presentation skills.
• Ability to build and maintain strong relationships with clients and internal stakeholders.
• Self-motivated, results-oriented, and able to work independently as well as part of a team.
• Proficiency in relevant financial software and CRM systems.

At Credit Saison India, we are driven by Innovation, Inclusion, and Integrity to create a meaningful Impact. As one of India's fastest-growing NBFC lenders, our mission is to bridge the credit gap and transform lives by empowering underserved communities.

Our journey is fueled by a team of 1,400+ employees across 80+ branches, with an AUM of over $2 billion. Join us and help build a brighter financial future for millions across the country.

Established in 2019, Credit Saison India (CS India) is one of the country’s fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting India’s huge gap for credit, especially with underserved and under penetrated segments of the population.

Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long-term for MSMEs, households, individuals and more. Credit Saison India is registered with the Reserve Bank of India (RBI) and has an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings.

Currently, Credit Saison India has a branch network of 80+ physical offices, 2.06 million active loans, an AUM of over US$2B and an employee base of about 1,400 employees. Credit Saison India is part of Saison International, a global financial company with a mission to bring people, partners and technology together, creating resilient and innovative financial solutions for positive impact.

Across its business arms of lending and corporate venture capital, Saison International is committed to being a transformative partner in creating opportunities and enabling the dreams of people. Saison International is the international headquarters (IHQ) of Credit Saison Company Limited, founded in 1951 and one of Japan’s largest lending conglomerates with over 70 years of history and listed on the Tokyo Stock Exchange.

Based in Singapore, Saison International’s global operations span over Singapore, India, Indonesia, Thailand, Vietnam, Mexico, Brazil, with active investments in debt, equity, corporate venture capital, and technology.