Relationship Manager - Secured Direct

Kisetsu Saison Finance (India) Private Limited; Suryapet; On-site; INR 1,400,000 - 2,200,000; Full time

Job summary

Credit Saison India is seeking a Relationship Manager - Secured Direct to manage a portfolio of secured direct lending clients, build strong relationships, and identify growth opportunities.

You will analyze client finances, propose secured lending solutions, negotiate terms, and coordinate with credit, legal, and operations teams to ensure smooth loan origination and ongoing portfolio management. Join a fast-growing NBFC with a strong risk framework and 1,400+ employees across 80+ branches.

Qualifications

• Bachelor's degree in Finance, Business Administration, Economics, or related field.
• Minimum 5 years in relationship management, business development, or credit analysis in financial services, with secured lending focus.
• Proven track record of growing high-value client portfolios.
• In-depth understanding of secured lending products, credit risk assessment, and financial analysis.

Responsibilities

• Develop and maintain strong, long-term relationships with a portfolio of secured direct lending clients.
• Identify and pursue new business opportunities within secured lending, including lead generation and cross-selling.
• Conduct comprehensive financial analysis of client businesses to assess creditworthiness.
• Prepare and present proposals outlining terms, conditions, and benefits of secured lending products.
• Negotiate loan terms and conditions, ensuring alignment with risk appetite.
• Collaborate with credit, legal, and operations teams to originate and manage loans.
• Monitor client accounts and industry trends to identify risks or opportunities.
• Ensure compliance with regulatory requirements and internal policies.
• Provide excellent client service and timely responses to inquiries.
• Prepare reports on portfolio performance, sales activities, and market insights.

Skills

Relationship management

Credit analysis

Financial analysis

Communication

Negotiation

Presentation skills

CRM systems

Team collaboration

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.

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 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.