Relationship Manager - Secured Direct

Kisetsu Saison Finance (India) Private Limited; Siddipet; On-site; INR 800,000 - 1,100,000; Full time

Job summary

Credit Saison India is seeking a Relationship Manager - Secured Direct to manage and grow a portfolio of secured direct loan clients, building strong relationships and identifying new business opportunities to hit sales targets.

In this role you will conduct financial analyses, present loan proposals, negotiate terms, monitor portfolio performance, and coordinate with credit, legal, and operations teams for smooth loan processing.

Qualifications

• Bachelor's degree in Finance, Business Administration, Economics, or a related field.
• 3–5 years in relationship management within banking/financial services, with a focus on secured lending.
• Proven track record of growing a client portfolio and achieving sales targets.
• Knowledge of secured lending products, credit principles, and risk assessment.
• Excellent interpersonal, communication, and negotiation skills.
• Strong analytical and problem-solving abilities.
• Self-motivated, results-oriented, and able to work independently as well as part of a team.
• Proficiency in CRM software and Microsoft Office Suite.
• Certifications (e.g., CIB, CFA) are a plus.

Responsibilities

• Develop and maintain strong, long-lasting relationships with secured direct loan clients.
• Pursue new business development opportunities to expand client base.
• Conduct thorough financial analysis and due diligence for loan applications.
• Prepare and present compelling loan proposals with terms and benefits.
• Negotiate loan terms, interest rates, and collateral requirements.
• Monitor portfolio performance and address risks to maintain asset quality.
• Collaborate with credit, legal, and operations for seamless loan processing.
• Stay informed about market trends, regulatory changes, and competition.
• Achieve individual and team sales targets and KPIs.
• Ensure compliance with banking regulations and internal policies.

Skills

Relationship management

Negotiation

Analytical thinking

Communication

Self-motivation

Education

Bachelor's degree in Finance/Business/Economics

Tools

CRM software

MS Office

Job description

As a Relationship Manager - Secured Direct, you will be responsible for managing and growing a portfolio of secured direct loan customers, building strong relationships, and identifying new business opportunities to achieve sales targets.

Job Responsibilities

• Develop and maintain strong, long-lasting relationships with a portfolio of secured direct loan clients, understanding their financial needs and providing tailored solutions.
• Proactively identify and pursue new business development opportunities within the secured direct lending space to expand the client base and increase market share.
• Conduct thorough financial analysis and due diligence for loan applications, ensuring adherence to credit policies and risk parameters.
• Prepare and present compelling loan proposals to clients, clearly outlining terms, conditions, and benefits.
• Negotiate loan terms, interest rates, and collateral requirements to secure profitable and mutually beneficial agreements.
• Monitor client portfolio performance, identifying potential risks and proactively addressing any issues to maintain asset quality.
• Collaborate effectively with internal departments, including credit, legal, and operations, to ensure seamless client service and efficient loan processing.
• Stay informed about market trends, competitor activities, and regulatory changes within the secured lending industry.
• Achieve individual and team sales targets and key performance indicators (KPIs).
• Ensure compliance with all relevant banking regulations and internal policies.

Job Qualifications

• Bachelor's degree in Finance, Business Administration, Economics, or a related field.
• Minimum of 3-5 years of experience in relationship management within the banking or financial services sector, with a strong focus on secured lending.
• Proven track record of successfully managing and growing a client portfolio and achieving sales targets.
• In-depth knowledge of secured lending products, credit principles, and risk assessment.
• Excellent interpersonal, communication, and negotiation skills, with the ability to build rapport and trust with clients.
• Strong analytical and problem-solving abilities.
• Self-motivated, results-oriented, and able to work independently as well as part of a team.
• Proficiency in CRM software and Microsoft Office Suite.
• Relevant industry certifications (e.g., CIB, CFA) are a plus.

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.