Relationship manager - Secured Direct

Saison International; Warangal; On-site; INR 1,500,000 - 2,100,000; Full time

Job summary

Credit Saison India, part of Saison International, seeks a Relationship Manager - Secured Direct to manage a high-value client portfolio and drive growth in secured lending solutions.

You will analyze client needs, structure complex secured transactions, coordinate with credit, legal, and operations, and present proposals to committees while targeting sales goals. This role demands strong financial acumen and client-service excellence.

Qualifications

• Bachelor’s degree in Finance, Business Administration, Economics required; MBA or CFA preferred.
• 5–7 years in relationship management, corporate banking, or secured lending with a proven origination track record.
• Deep understanding of secured lending products, credit analysis, risk management, and regulatory requirements.
• Strong financial modeling, analytical, and problem-solving skills.
• Excellent communication, negotiation, and interpersonal abilities; ability to network with high-net-worth and corporate clients.
• Ability to work independently, manage multiple priorities, and thrive in a fast-paced environment.

Responsibilities

• Develop and maintain relationships with high-net-worth and corporate clients.
• Identify new secured direct lending opportunities.
• Conduct financial analysis and due diligence on client applications.
• Structure and negotiate secured lending transactions, including collateralized facilities.
• Prepare and present loan proposals to credit committees and clients.
• Collaborate with credit, legal, and operations teams to ensure seamless execution.
• Monitor portfolio performance and implement risk mitigation strategies.
• Stay updated on market trends and regulatory changes.
• Provide exceptional client service and address inquiries promptly.
• Achieve individual and team sales targets and contribute to growth.

Skills

Relationship management

Financial analysis

Client communication

Negotiation

Portfolio growth

Education

Bachelor's degree in Finance, Business Administration, Economics

MBA or CFA preferred

Job description

Job Summary

As a Relationship Manager - Secured Direct, you will be responsible for managing and growing a portfolio of high-value clients seeking secured lending solutions. You will act as a primary point of contact, understanding client financial needs, and facilitating the direct origination and execution of secured loan products.

Job Responsibilities

• Develop and maintain strong, long-lasting relationships with a portfolio of existing and prospective high-net-worth and corporate clients.
• Proactively identify and cultivate new business opportunities within the secured direct lending market.
• Conduct thorough financial analysis and due diligence on client applications, ensuring adherence to credit policies and risk parameters.
• Structure and negotiate complex secured lending transactions, including real estate-backed loans, asset-backed financing, and other collateralized facilities.
• Prepare and present compelling loan proposals to credit committees and clients.
• Collaborate effectively with internal teams, including credit, legal, and operations, to ensure seamless execution of transactions.
• Monitor portfolio performance, identify potential risks, and implement mitigation strategies.
• Stay abreast of market trends, regulatory changes, and competitive landscape within secured direct lending.
• Provide exceptional client service, addressing inquiries and resolving issues promptly and professionally.
• Achieve individual and team sales targets and contribute to the overall growth of the secured direct lending business.

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 5-7 years of experience in relationship management, corporate banking, or secured lending, with a proven track record of originating and managing direct secured loan portfolios.
• Deep understanding of secured lending products, credit analysis, risk management principles, and regulatory requirements.
• Strong financial modeling, analytical, and problem-solving skills.
• Excellent communication, negotiation, and interpersonal skills, with the ability to build rapport with diverse client segments.
• Demonstrated ability to work independently, manage multiple priorities, and thrive in a fast-paced environment.
• Proficiency in financial software and Microsoft Office Suite (Excel, Word, PowerPoint).
• A strong network within the high-net-worth and corporate client segments is a significant advantage.

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. 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.