Website:
finncred.com
Job details:
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.
Role Overview
We are looking for a Relationship Manager – Credit / MSME Lending with 2–3 years of experience in MSME/SME lending, business loans, LAP or other credit products.
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.
Click on Apply to know more.