Relationship Manager - Secured Direct

Credit Saison India; Rajamahendravaram; On-site; INR 900,000 - 1,500,000; Full time

Job summary

Credit Saison India seeks a seasoned professional to manage and grow a portfolio of secured direct lending relationships, focusing on client acquisition, retention, and growth within the secured finance sector.

You will conduct rigorous credit analysis, prepare proposals, and collaborate with credit, legal, and product teams to ensure compliant deal execution and risk management.

Qualifications

• Bachelor's degree in Finance, Business Admin, Economics or related field; MBA or CFA is a plus.

Responsibilities

• Proactively identify, originate, and onboard new secured direct lending clients, meeting and exceeding sales targets.
• Cultivate and maintain long-term relationships with clients, understanding financial needs to provide secured financing solutions.
• Conduct thorough financial analysis and due diligence to assess creditworthiness and risks.
• Prepare credit proposals and presentations for internal committees ensuring policy and regulatory compliance.
• Negotiate terms of secured facilities including rates, collateral, and covenants.
• Monitor portfolio performance and implement risk mitigation strategies.
• Collaborate with credit, legal, operations, and product teams to ensure seamless deal execution.
• Stay updated on market trends, industry conditions, and competitor activity.
• Represent the company at industry events to generate leads and brand visibility.
• Ensure compliance with internal policies and external regulations.

Skills

Relationship management

Business development

Credit analysis

Financial modeling

CRM systems

Negotiation

Communication

Education

Bachelor's degree in Finance/Business/Economics

MBA or CFA designation

Tools

CRM software

Financial modeling tools

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.