Relationship Manager - Secured Direct

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

Job summary

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

You will analyze credit proposals, negotiate terms, coordinate with credit, legal and operations, and ensure compliance with regulations while aiming to improve asset quality and market share.

Qualifications

• Bachelor's degree in Finance, Business Administration, Economics, or related field.
• 3-5 years of experience in relationship management in banking or financial services, with secured lending.
• Proven track record of growing client portfolios and meeting sales targets.
• Knowledge of secured lending products, credit principles, and risk assessment.

Responsibilities

• Develop and maintain strong relationships with secured direct loan clients.
• Pursue new business development opportunities within secured direct lending.
• Conduct financial analysis and due diligence for loan applications.
• Prepare and present loan proposals outlining terms and benefits.
• Negotiate loan terms, rates, and collateral.
• Monitor portfolio performance and address risks to maintain asset quality.
• Collaborate with credit, legal, and operations for loan processing.
• Stay informed about market trends and regulatory changes.
• Achieve sales targets and KPIs.
• Ensure compliance with banking regulations and internal policies.

Skills

Relationship management

Client portfolio growth

Sales target achievement

Negotiation

Analytical skills

CRM proficiency

Communication skills

Microsoft Office

Education

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

Tools

CRM software

Microsoft Office Suite

Job description

Job Summary

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.