Relationship Manager - Secured Direct

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

Job summary

Credit Saison India is seeking a Relationship Manager for Secured Direct lending to manage a growing client portfolio and identify new business opportunities. You will conduct financial analyses to assess credit risk and tailor secured lending solutions, while coordinating with credit, legal, and operations teams.

You will negotiate loan terms, present proposals, maintain client relationships, and ensure adherence to policies and regulatory requirements in a fast-paced environment.

Qualifications

• Degree in Finance, Business, Economics or related field.
• MBA or CFA preferred for advanced qualifications.
• Minimum 5 years in relationship management or credit analysis.
• Strong understanding of secured lending products and credit risk.

Responsibilities

• Manage a portfolio of secured direct lending clients.
• Identify and pursue new business opportunities and cross-sell products.
• Analyze client finances to assess creditworthiness and tailor solutions.
• Prepare proposals outlining terms and benefits of secured lending.
• Negotiate terms with clients within risk appetite and policies.
• Coordinate with credit, legal, and operations teams for loan origination.
• Monitor accounts and market trends to mitigate risks.
• Ensure compliance with regulatory requirements and internal policies.
• Provide excellent client service and regular portfolio reports.

Skills

Relationship management

Business development

Credit analysis

Financial analysis

Communication

Negotiation

Presentation

Analytical thinking

Independent work

Education

Bachelor's degree in Finance/Business/Economics

MBA or CFA preferred

Tools

CRM systems

Financial software

Job description

Job Summary

The Relationship Manager - Secured Direct is responsible for managing a portfolio of secured direct lending clients, fostering strong relationships, and identifying new business opportunities. This role involves providing tailored financial solutions to clients, ensuring their needs are met while adhering to company policies and risk parameters.

Job Responsibilities

• Develop and maintain strong, long-term relationships with a portfolio of existing secured direct lending clients.
• Proactively identify and pursue new business opportunities within the secured direct lending space, including lead generation, client acquisition, and cross-selling relevant financial products.
• Conduct comprehensive financial analysis of client businesses to assess creditworthiness and propose appropriate secured lending solutions.
• Prepare and present compelling proposals to clients, outlining terms, conditions, and benefits of secured direct lending products.
• Negotiate loan terms and conditions with clients, ensuring mutually beneficial agreements and adherence to company risk appetite.
• Collaborate with internal teams (e.g., credit, legal, operations) to facilitate efficient loan origination, underwriting, and ongoing portfolio management.
• Monitor client accounts and industry trends to identify potential risks or opportunities, taking proactive measures as needed.
• Ensure compliance with all relevant regulatory requirements and internal policies related to secured direct lending.
• Provide excellent client service, addressing inquiries, resolving issues, and acting as the primary point of contact for assigned clients.
• Prepare regular reports on portfolio performance, sales activities, and market insights for management review.

Job Qualifications

• Bachelor's degree in Finance, Business Administration, Economics, or a related field. MBA or relevant professional certifications (e.g., CFA) preferred.
• Minimum of 5 years of experience in relationship management, business development, or credit analysis within the financial services industry, with a strong focus on secured lending.
• Proven track record of successfully managing and growing a portfolio of high-value clients.
• In-depth understanding of secured lending products, credit risk assessment, and financial analysis.
• Excellent communication, negotiation, and presentation skills, with the ability to articulate complex financial concepts clearly.
• Strong analytical and problem-solving abilities, with a keen eye for detail.
• Ability to work independently and as part of a team in a fast-paced environment.
• Proficiency in financial software and CRM systems.
• Demonstrated ability to build rapport and trust with clients.