Job Description – Senior Relationship Manager – MSME Lending / Investments

Location: Delhi / Gurugram

Type: Full-time

Experience: 3–8 years

Industry Preference: NBFC / MSME Lending / SME Lending / Financial Services

Role Overview

We are looking for a Senior Relationship Manager with strong experience in NBFC/MSME lending or investment sales, along with the ability to understand and analyze financial statements.

The candidate will be responsible for sourcing and developing relationships with MSME/SME businesses, identifying lending and investment opportunities, understanding business requirements, conducting preliminary financial analysis, and managing the relationship through the transaction lifecycle.

Key Responsibilities

1. Business Development & Sales

- Source new MSME/SME lending and investment opportunities through direct sourcing, referrals, CA networks, DSAs, financial advisors, and industry contacts.
- Develop and maintain strong relationships with SME/MSME promoters, business owners, and CXOs.
- Identify businesses that meet the lending/investment requirements of the assigned business or entity.
- Build and maintain a solid pipeline of prospective clients and opportunities.
- Achieve assigned business development, sourcing, and revenue targets.

2. Relationship Management

- Manage relationships with existing and prospective MSME/SME clients.
- Understand the client's business model, financial requirements, funding needs, and growth plans.
- Act as the primary point of contact and ensure smooth coordination throughout the transaction process.
- Develop long-term relationships with promoters, referral partners, and other stakeholders.

3.



Financial Analysis & Initial Assessment

- Analyze P&L;, Balance Sheet, and Cash Flow statements of prospective businesses.
- Understand profitability, leverage, liquidity, working capital, and cash-flow position.
- Conduct preliminary assessment of the company's financial strength and repayment/investment capacity.
- Review financial information and identify key business and financial risks.
- Coordinate with the Credit/Risk/Investment teams for detailed evaluation and underwriting.

4. Deal Execution & Coordination

- Coordinate with internal teams including Credit, Risk, Finance, Legal, Operations, and Compliance.
- Support the transaction process from sourcing and initial evaluation through sanction/investment and disbursement, wherever applicable.
- Ensure timely collection of financial and business documents from clients.
- Support structuring of suitable lending/investment solutions based on business requirements.

5. Portfolio & Relationship Monitoring

- Maintain regular engagement with clients and monitor business performance.
- Track repayment/business performance and identify potential concerns or early warning signals.
- Support repeat business and cross-selling opportunities.
- Maintain accurate records and MIS of business sourced and relationships managed.

Ideal Candidate





- 3–8 years of relevant experience in NBFC, MSME/SME lending, business banking, or financial services.
- Strong experience in MSME lending or investment sales.
- Existing network among MSME/SME promoters, CAs, DSAs, financial advisors, and business networks will be an advantage.
- Ability to understand and analyze financial statements and business performance.
- Good understanding of credit, lending, and financial products.
- Strong relationship management, communication, negotiation, and sales skills.
- Ability to balance business development with financial/business assessment.
- MBA Finance / CA / CFA or equivalent qualification will be an advantage.

Not Suitable

- Pure retail loan sales profiles.
- Candidates with only retail lending experience.
- Pure sales profiles without understanding of financial statements.
- Freshers or candidates without relevant NBFC/SME/MSME experience.

What We Offer

- Opportunity to work with a growing financial services group.
- Exposure to MSME lending, investments, and multiple businesses within the Company.
- Direct interaction with business owners and senior management.
- Growth-oriented role with business development and financial analysis exposure.
- Competitive compensation and performance-based incentives.

Important Note

The selected candidate may be aligned with any specific business, vertical, subsidiary, associate, or entity within the Company based on organizational requirements.

The candidate may also be employed on the payroll of Company. or any other entity within the Company, as determined by management and business requirements.

📌 Relationship Manager - Leading NBFC - Gurugram (India)
🏢 Ghrig People Solutions
📍 India