Relationship Manager - Secured Direct

Credit Saison India; NTR; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Credit Saison India is seeking a Senior Relationship Manager to build and nurture relationships with clients seeking secured direct lending solutions. You will manage a portfolio, assess needs, and present loan proposals while coordinating with credit, legal, and operations teams.

The ideal candidate will have 5+ years in commercial lending or corporate banking with a focus on secured loans, strong financial analysis skills, and a proven sales track record.

Qualifications

• Bachelor's degree in Finance, Business Administration, Economics, or related field.
• 5+ years in relationship management, lending, or corporate banking with secured lending focus.
• Knowledge of secured lending structures, collateral types, and credit risk assessment.
• Strong financial analysis and ability to interpret financial statements and market data.
• Excellent communication, negotiation, and interpersonal skills.
• Proven ability to build and maintain client relationships and meet targets.
• Integrity and professional ethics; CRM and MS Office proficiency.

Responsibilities

• Develop and manage a portfolio of secured direct lending clients, acting as their primary point of contact and trusted advisor.
• Proactively identify and assess client financial needs, offering tailored secured lending products and services.
• Conduct thorough financial analysis and due diligence for potential and existing clients, including reviewing financial statements, collateral assessments, and risk profiles.
• Prepare and present comprehensive loan proposals to credit committees, articulating client needs, risk mitigation strategies, and deal rationale.
• Negotiate terms and conditions of secured direct loans, ensuring alignment with company policies and client requirements.
• Monitor client accounts and loan performance, proactively identifying and addressing any potential issues or opportunities.
• Collaborate with internal teams, including credit, legal, and operations, to ensure seamless execution of client transactions.
• Stay informed about market trends, competitor activities, and regulatory changes within the secured lending landscape.
• Achieve and exceed individual and team sales targets and client retention goals.
• Maintain accurate and up-to-date client records and reporting.

Skills

Relationship management

Financial analysis

Negotiation

Client communication

CRM proficiency

Education

Bachelor's degree in Finance, Business Administration, Economics, or related field

Tools

CRM software

Job description

Job Summary

Responsible for building and nurturing strong, long-term relationships with clients seeking secured direct lending solutions, ensuring their financial needs are met while driving business growth and maintaining high levels of customer satisfaction.

Job Responsibilities

• Develop and manage a portfolio of secured direct lending clients, acting as their primary point of contact and trusted advisor.
• Proactively identify and assess client financial needs, offering tailored secured lending products and services.
• Conduct thorough financial analysis and due diligence for potential and existing clients, including reviewing financial statements, collateral assessments, and risk profiles.
• Prepare and present comprehensive loan proposals to credit committees, articulating client needs, risk mitigation strategies, and deal rationale.
• Negotiate terms and conditions of secured direct loans, ensuring alignment with company policies and client requirements.
• Monitor client accounts and loan performance, proactively identifying and addressing any potential issues or opportunities.
• Collaborate with internal teams, including credit, legal, and operations, to ensure seamless execution of client transactions.
• Stay informed about market trends, competitor activities, and regulatory changes within the secured lending landscape.
• Achieve and exceed individual and team sales targets and client retention goals.
• Maintain accurate and up-to-date client records and reporting.

Job Qualifications

• Bachelor's degree in Finance, Business Administration, Economics, or a related field.
• Proven experience (typically 5+ years) in relationship management, commercial lending, or corporate banking, with a strong focus on secured direct lending products.
• In-depth knowledge of various secured lending structures, collateral types, and credit risk assessment.
• Strong financial analytical skills with the ability to interpret complex financial statements and market data.
• Excellent communication, negotiation, and interpersonal skills.
• Demonstrated ability to build and maintain strong client relationships.
• Results-oriented with a proven track record of achieving sales targets.
• High level of integrity and professional ethics.
• Proficiency in CRM software and Microsoft Office Suite.