Job Title: Business Development & Credit Manager Infrastructure Finance (SMB)

Location:- Ahmedabad

Experience:* 8-12 Years

Compensation:* 25- 30 LPA

Education:* MBA (Finance) from a reputed institution

# About the Role

We are looking for a smart, commercially astute finance professional for an Infrastructure Finance Company focused on providing financial solutions to Small and Medium Businesses (SMBs).

The role requires a combination of strong business development capabilities, financial and credit assessment expertise, and the ability to build relationships with senior finance professionals, particularly CFOs, Finance Heads and business promoters.

The incumbent will be responsible for identifying and acquiring new business opportunities, developing a strong network within the SMB ecosystem, evaluating the financial health and creditworthiness of prospective borrowers, and structuring commercially viable financing proposals.

This is a front-end, market-facing role for someone who understands both the business of lending and the financial realities of growing businesses.

#Key Responsibilities

*1. Business Development & Market Acquisition*

- Proactively identify and develop new business opportunities among SMBs, mid-sized enterprises and infrastructure-linked businesses.

- Build and leverage a strong network of CFOs, Finance Directors, promoters, business owners and financial decision-makers.

- Generate qualified lending opportunities through direct market engagement, industry networks, referrals and professional relationships.

- Independently drive the entire business acquisition cycle, from prospect identification and initial engagement to proposal development and deal closure.

- Develop a robust pipeline of potential borrowers and consistently achieve business acquisition targets.

- Understand the funding requirements of businesses and identify suitable financing solutions.

*2. Financial Assessment & Credit Understanding*

- Evaluate the financial health and creditworthiness of prospective borrowers.





- Analyse balance sheets, profit and loss statements, cash flows, working capital cycles and debt-equity structures.

- Assess repayment capacity, existing debt obligations, cash flow sustainability and financial risks.

- Understand business models, revenue streams, operating cycles and industry-specific risks.

- Identify potential red flags and assess the financial viability of lending proposals.

- Work closely with internal credit and risk teams to facilitate informed lending decisions.

*3. Deal Structuring & Commercial Negotiations*

- Understand the funding requirement, purpose of borrowing, security structure and repayment capability of prospective clients.

- Structure suitable financing proposals based on the client's requirements and credit profile.

- Negotiate commercial terms, pricing, repayment schedules, collateral and other financing conditions.

- Ensure that proposals are commercially attractive while meeting the company's credit and risk parameters.

- Coordinate with internal teams through credit appraisal, sanction, documentation and disbursement.

*4. Relationship Management*

- Establish long-term relationships with CFOs, promoters and key financial decision-makers.

- Develop credibility as a financial solutions partner rather than merely a lender.

- Maintain regular engagement with clients and identify opportunities for repeat business and cross-selling.

- Represent the organisation in relevant business forums and industry networks.

## Desired Candidate Profile

- 812 years of relevant experience in banking, NBFCs, financial services, corporate lending or credit-related businesses.





- MBA in Finance from a reputed B-school or institution.

- Solid understanding of financial statements, credit appraisal, business valuation and financial risk assessment.

- Demonstrated ability to acquire business and develop relationships with CFOs, Finance Heads and business promoters.

- Experience in SME/SMB lending, infrastructure finance, structured finance, corporate banking or commercial lending would be highly relevant.

- Candidates from Credit Rating Agencies, Business Valuation firms, Risk Advisory or Corporate Finance backgrounds may also be considered, provided they have strong client-facing and business development capabilities.

- Good understanding of lending structures, financial ratios, debt servicing capacity and credit risk.

- Excellent communication, presentation, negotiation and relationship-building skills.

- High levels of commercial acumen, initiative and the ability to work independently.

## Preferred Backgrounds

Candidates currently working with:

- Banks – Corporate Banking, SME Banking, Business Banking and Credit.

- NBFCs – SME Lending, Corporate Lending and Structured Finance.

- Credit Rating Agencies – Credit Analysis and Business Development.

- Business Valuation and Financial Advisory firms.

- Risk Advisory and Corporate Finance practices.

## Critical Success Factors

The ideal candidate should be:

- A proactive business developer who is comfortable going into the market and acquiring clients.

- Well connected with CFOs, Finance Heads, promoters and business owners.

- Financially astute, with the ability to understand and evaluate businesses beyond their financial statements.

- Capable of balancing business acquisition with prudent credit judgement.

- A smart, articulate and entrepreneurial qualified with strong ownership and execution capabilities.

*Compensation:* 25–30 LPA, depending on experience and suitability.

*Location:* Ahmedabad(remote base )

📌 Business Development & Credit Manager -Infrastructure Finance (SMB) (Ahmedabad)
🏢 Consult Shekhar Pandey
📍 Ahmedabad