Relationship Manager - Wholesale Lending

Job Purpose:

To manage and grow relationships with corporate clients, ensuring business growth and portfolio quality.

Job Requirements:

- MBA/PGDM in Finance/Marketing with 8 - 12 years of relevant experience in Investment Banking, Project Finance, Corporate Finance, Structured Finance, or Corporate Banking.

- Strong experience in debt structuring and transaction execution.

- Proven track record of handling large-value transactions and corporate relationships.

- Strong understanding of financial statements, credit analysis, project economics, and valuation methodologies.

- Advanced proficiency in MS Excel and financial modeling.

- Strong knowledge of DCF, scenario/sensitivity analysis, debt structuring, and cash-flow analysis.

- Understanding of RBI regulations and applicable financing guidelines.

- Excellent communication, negotiation, presentation, and stakeholder-management skills.

- Ability to independently manage multiple transactions under tight timelines.

Job Responsibilities:

- Acquire and manage corporate/SME clients for lending business.

- Originate and execute Project Finance, Corporate Finance, Acquisition Finance, Refinancing, NCD, and Working Capital transactions.

- Evaluate new business opportunities and develop sector-specific investment and financing strategies.

- Build and review detailed financial models, including DCF, scenario analysis, sensitivity analysis, cash-flow projections, and debt servicing models.

- Conduct comprehensive credit and financial analysis of corporates, projects, sponsors, and counterparties.

- Assess project feasibility through analysis of capex, operating assumptions, market demand, pricing, tariffs, offtake arrangements, and cash flows.

- Structure appropriate debt solutions considering leverage, repayment capacity, security package, covenants, risk factors, and regulatory requirements.

- Prepare detailed credit appraisal notes, investment memoranda, transaction proposals, and board-level presentations.

- Lead negotiations with clients, sponsors, lenders, investors, legal advisors, and other transaction stakeholders.

- Manage the complete transaction lifecycle from origination and mandate acquisition through sanction, documentation, financial closure, and disbursement.

- Ensure transaction structures are compliant with applicable RBI regulations, ECB guidelines, banking policies, and internal credit frameworks.

- Conduct industry, market, competitor, and peer benchmarking to support investment and lending decisions.

- Identify cross-selling and relationship-expansion opportunities within existing corporate relationships.

- Manage senior-level relationships with CFOs, promoters, CXOs, investment teams, and other key stakeholders.

- Mentor junior team members and ensure timely delivery of transaction and business objectives.

- Monitor portfolio performance, risk exposure, covenant compliance, and overall credit quality.