Relationship Manager with 1 year experience

FINNCRED; Dadri; On-site; INR 600,000 - 1,200,000; Full time

Benefits offered by this job

Performance-linked incentives

Growth opportunities

Senior management exposure

Job summary

FinnCred is a technology-led lending platform focused on MSMEs; we are seeking a Relationship Manager – Credit / MSME Lending to build and manage MSME loan relationships, assess borrower credit, and structure proposals for approval.

You will coordinate with Credit, Operations, Legal and Risk teams, ensure KYC collection, and drive portfolio quality, cross-selling and target achievement.

Qualifications

• 2–3 years of relevant experience in MSME/SME lending, business loans, LAP, NBFC or banking.
• Strong credit appraisal and financial analysis skills.
• Experience in sourcing or managing MSME borrowers preferred.
• Ability to read P&L, Balance Sheet and Cash Flow statements.
• Good communication, negotiation and relationship management.

Responsibilities

• Source and develop new MSME loan relationships through direct sourcing, DSA, channel partners and referrals.
• Understand the customer's business model, financial position, banking behaviour and funding requirements.
• Conduct preliminary assessment of borrowers and identify credit strengths and risks.
• Analyse financial statements, bank statements, GST returns, ITRs and other relevant financial information.
• Understand key credit parameters such as turnover, profitability, leverage, banking conduct, cash flows and repayment capacity.
• Prepare and present quality credit proposals for internal credit approval.
• Coordinate closely with the Credit, Operations, Legal and Risk teams for smooth processing and disbursement.
• Ensure complete and accurate collection of KYC, financial and business documents.
• Maintain strong relationships with existing borrowers and identify opportunities for repeat business and cross-selling.
• Monitor the portfolio and proactively identify early warning signals or potential repayment concerns.
• Ensure adherence to the company's credit policy, processes and regulatory requirements.
• Maintain regular follow-up with customers throughout the loan lifecycle.
• Achieve assigned business, disbursement and portfolio quality targets.

Skills

Credit Assessment

Financial Analysis

MSME Lending

Business Loans

Banking Analysis

Customer Relationship Management

Loan Sourcing

Credit Appraisal

Risk Assessment

Documentation

Job description

Role Overview

FinnCred is a technology-led lending platform focused on providing accessible and responsible credit solutions to MSMEs and emerging businesses. We combine technology, data and credit expertise to deliver faster and more efficient lending solutions to our customers.

About FinnCred

FinnCred is a technology-led lending platform focused on providing accessible and responsible credit solutions to MSMEs and emerging businesses. We combine technology, data and credit expertise to deliver faster and more efficient lending solutions to our customers.

We are looking for a Relationship Manager – Credit / MSME Lending

The ideal candidate should have a strong understanding of credit assessment and financial analysis, while also being comfortable managing borrower relationships, sourcing business and coordinating with internal credit and operations teams.

This is a credit-oriented relationship management role, and the candidate should be able to understand a customer's business, assess the quality of the borrower and structure the proposal appropriately.

Key Responsibilities

• Source and develop new MSME/business loan relationships through direct sourcing, DSA/channel partners and referrals.
• Understand the customer's business model, financial position, banking behaviour and funding requirements.
• Conduct preliminary assessment of borrowers and identify credit strengths and risks.
• Analyse financial statements, bank statements, GST returns, ITRs and other relevant financial information.
• Understand key credit parameters such as turnover, profitability, leverage, banking conduct, cash flows and repayment capacity.
• Prepare and present quality credit proposals for internal credit approval.
• Coordinate closely with the Credit, Operations, Legal and Risk teams for smooth processing and disbursement.
• Ensure complete and accurate collection of KYC, financial and business documents.
• Maintain strong relationships with existing borrowers and identify opportunities for repeat business and cross-selling.
• Monitor the portfolio and proactively identify early warning signals or potential repayment concerns.
• Ensure adherence to the company's credit policy, processes and regulatory requirements.
• Maintain regular follow-up with customers throughout the loan lifecycle.
• Achieve assigned business, disbursement and portfolio quality targets.

Candidate Profile

Required Experience:

• 2–3 years of relevant experience in MSME/SME lending, business loans, LAP, NBFC or banking.
• Good understanding of credit appraisal and financial analysis.
• Experience in sourcing/managing MSME borrowers will be preferred.
• Ability to read and understand P&L, Balance Sheet and Cash Flow statements.
• Understanding of bank statement analysis, GST/ITR and business vintage/financial assessment.
• Good communication, negotiation and relationship management skills.
• Strong analytical and problem-solving ability.
• Comfortable working in a target-oriented, fast-paced lending environment.

Preferred Background

Candidates currently working as:

• Relationship Manager – Business Loans
• Credit Relationship Manager
• MSME Relationship Manager
• Credit Analyst with client-facing experience
• Business Banking RM
• SME/Commercial Banking RM
• RM – LAP / Business Finance
• Credit Manager / Credit Officer with strong customer interaction

Candidates from NBFCs, fintech lenders, private sector banks and MSME-focused lending institutions will be preferred.

Key Skills

Credit Assessment | Financial Analysis | MSME Lending | Business Loans | Banking Analysis | Customer Relationship Management | Loan Sourcing | Credit Appraisal | Risk Assessment | Documentation

What We Offer

• Opportunity to work with a growing fintech/NBFC lending business.
• Exposure to the complete MSME lending lifecycle.
• Opportunity to work closely with senior management and the credit team.
• Performance-linked incentives.
• Growth opportunities in Credit, Relationship Management and Business Banking.