This
is a combined origination and credit role, responsible for identifying and
originating lending opportunities, building client and channel relationships,
and preparing the credit memo through to Credit Committee presentation. The
Manager owns each deal end-to-end from sourcing through to a committee-ready
credit memo; final sanction, disbursement and post-disbursement monitoring
remain independently owned by the Credit Committee/Head – NBFC, preserving a
clean separation between deal sourcing and final credit approval.
Key Responsibilities
1. Lead Generation &
Origination
• Deal Sourcing: Identify and originate lending opportunities across
corporate, SME and structured finance segments through market outreach,
referrals and internal networks.
• Market Mapping: Map target industries, geographies and client segments
to build a robust, qualified origination pipeline aligned with the NBFC's
credit appetite.
2. Relationship Management
• Client Relationships: Build and nurture relationships with promoters, CFOs and
corporate treasury teams to generate repeat and referral business.
• Channel Partnerships: Develop relationships with DSAs, intermediaries,
consultants and other channel partners to expand origination reach.
3. Pitching & Preliminary
Structuring
• Client Pitching: Present the NBFC's lending capabilities and product
offerings to prospective clients, tailoring pitches to their financing needs.
• Preliminary Terms: Understand prospective clients' financing requirements
and outline preliminary indicative terms and deal structure.
4. Credit Appraisal &
Underwriting
• Financial & Risk Analysis: Conduct in-depth financial and credit analysis of
borrowers — cash flows, leverage, working capital cycle, collateral and
promoter strength — as part of the underwriting process.
• Structuring & Risk
Mitigation: Assess industry and business
risk, and recommend appropriate deal structure, security, covenants and
risk-based pricing basis the borrower's risk prof