Relationship Manager - Secured Direct

Saison International; Rajamahendravaram; On-site; INR 1,200,000 - 2,400,000; Full time

Job summary

Credit Saison India is seeking a senior professional to manage and grow a portfolio of secured direct lending relationships in India. You will focus on client acquisition, retention, and tailoring secured financing solutions to meet client needs.

Responsibilities include originating new clients, performing credit analysis, negotiating terms, and coordinating with internal teams to execute deals while maintaining regulatory compliance.

Qualifications

• Bachelor's in Finance/Business; MBA/CFA a plus.
• Minimum 5-7 years in relationship management or credit analysis in secured lending.
• Proven track record in originating and managing secured facilities (asset-backed, real estate, invoice finance).
• Strong credit risk, financial modeling, and legal documentation knowledge.

Responsibilities

• Proactively identify, originate, and onboard new secured direct lending clients, meeting targets.
• Maintain long-term relationships, understand financial needs, provide tailored secured financing.
• Conduct financial analysis and due diligence to assess creditworthiness and risks.
• Prepare credit proposals for internal committees with compliant documentation.
• Negotiate terms including rates, collateral, and covenants; monitor portfolio risk.
• Collaborate with credit, legal, operations, and product teams for seamless deals.
• Stay informed on industry trends and competitive activity; represent the company at events.
• Ensure compliance with internal policies and regulatory requirements.

Skills

Relationship management

Business development

Credit analysis

Negotiation

CRM systems

Financial modeling

Education

Bachelor's degree in Finance

MBA/CFA a plus

Tools

Credit underwriting software

Job description

This role involves managing and developing a portfolio of secured direct lending relationships, focusing on client acquisition, retention, and growth within the secured finance sector.

Job Responsibilities

• Proactively identify, originate, and onboard new secured direct lending clients, meeting and exceeding individual and team sales targets.
• Cultivate and maintain strong, long-term relationships with existing clients, understanding their financial needs and providing tailored secured financing solutions.
• Conduct thorough financial analysis and due diligence on prospective and existing clients to assess creditworthiness and identify potential risks.
• Prepare comprehensive credit proposals and presentations for internal credit committees, ensuring adherence to company policies and regulatory requirements.
• Negotiate terms and conditions of secured direct lending facilities, including interest rates, collateral requirements, and covenants.
• Monitor portfolio performance, identify early warning signs of credit deterioration, and implement appropriate risk mitigation strategies.
• Collaborate effectively with internal departments, including credit, legal, operations, and product teams, to ensure seamless client service and deal execution.
• Stay abreast of industry trends, market conditions, and competitor activities within the secured finance landscape.
• Represent the company at industry events, conferences, and networking functions to enhance brand visibility and generate new business leads.
• Ensure full compliance with all relevant internal policies, procedures, and external regulatory requirements.

Job Qualifications

• Bachelor's degree in Finance, Business Administration, Economics, or a related field. MBA or CFA designation is a plus.
• Minimum of 5-7 years of experience in relationship management, business development, or credit analysis within the secured lending or commercial banking sector.
• Demonstrated track record of successfully originating and managing secured direct lending facilities (e.g., asset-backed loans, real estate finance, invoice finance).
• Strong understanding of credit risk assessment principles, financial modeling, and legal documentation pertaining to secured transactions.
• Excellent communication, negotiation, and interpersonal skills with the ability to build rapport and influence stakeholders at all levels.
• Proven ability to work independently and as part of a team in a fast-paced, target-driven environment.
• Proficiency in financial software and CRM systems.
• Strong analytical skills with an ability to interpret complex financial data and make sound lending decisions.
• High level of integrity, professionalism, and ethical conduct.

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. The Company has evolved from a credit-card issuer to a diversified financial services provider across payments, leasing, finance, real estate and entertainment. 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.