Relationship manager - Secured Direct

Credit Saison India; Warangal; On-site; INR 1,800,000 - 2,400,000; Full time

Benefits offered by this job

Corporate lending exposure

Job summary

Credit Saison India is seeking a Relationship Manager - Secured Direct to manage and grow a portfolio of high-value clients seeking secured lending solutions.

You will act as the primary contact, perform financial analysis, structure and negotiate secured transactions, and collaborate with credit, legal, and operations teams to ensure timely execution.

Qualifications

• Bachelor's degree in Finance, Business Administration, Economics, or a related field; 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 build rapport with diverse clients.

Responsibilities

• Manage and grow a portfolio of high-net-worth and corporate clients.
• Identify and cultivate new business opportunities in secured direct lending.
• Conduct financial analysis and due diligence on client applications per policy.
• Structure and negotiate secured lending transactions including real estate- and asset-backed loans.
• Prepare loan proposals for credit committees and clients.

Skills

Relationship management

Credit analysis

Financial modeling

Negotiation

Interpersonal skills

Portfolio management

Excel

Client sourcing

Education

Bachelor's degree in Finance/Business/Economics

MBA or CFA preferred

Professional certifications

Tools

MS Office Suite

Financial software

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.