RM Credit Structuring - Mumbai

Job Description:

Relationship Manager – Structured Finance & Syndication

Location: Mumbai
Department: Structured Finance / Syndication
Sector: Capital Markets / NBFC
Experience: 6–12 years
Qualification: MBA—mandatory
Employment Type: Full Time

Role Summary

The Relationship Manager will originate structured-finance transactions and build relationships with banks, NBFCs, debt-capital-market desks, private-equity and private-credit funds, institutional investors and corporate borrowers.

The role will be aligned with the Syndication Desk and will involve structuring and distributing loans and other financial instruments among multiple lenders and institutional investors.

Key Responsibilities

Deal Origination

• Originate structured-finance and syndication opportunities.
• Identify prospective borrowers, lenders and institutional investors.
• Develop and maintain a strong transaction pipeline.
• Understand client funding requirements and identify suitable financing solutions.
• Generate business through direct relationships and market networks.
• Track transactions from initial discussion through successful closure.

Institutional Relationship Management

• Build and maintain relationships with DCM desks of banks.
• Develop relationships with NBFCs, private-credit funds, private-equity funds and institutional lenders.
• Maintain active engagement with corporate borrowers, intermediaries and financial advisors.
• Position transactions with suitable lenders and investors.
• Coordinate discussions between borrowers and financing partners.

Transaction Structuring and Syndication

• Support the structuring and distribution of loans and securities.
• Assist in determining transaction size, pricing, tenor, repayment terms and security.
• Prepare transaction summaries, teasers, presentations and information memoranda.
• Coordinate commercial and term-sheet negotiations.
• Manage lender and investor queries.
• Support due diligence, documentation and deal closure.

Financial Evaluation

• Evaluate loan proposals through detailed financial and business analysis.
• Review historical financial statements, projected cash flows and repayment capacity.
• Assess transaction risks, security coverage and commercial viability.
• Prepare presentations and transaction recommendations for management review.
• Work with Credit and Risk teams to address appraisal requirements.

Portfolio Monitoring

• Periodically review syndicated-loan portfolio performance.
• Monitor covenant compliance, repayment behaviour and borrower financial health.
• Identify early-warning signals and escalate material concerns.
• Ensure timely portfolio reporting and stakeholder communication.
• Coordinate with lenders and internal teams on portfolio-related matters.

Channel Management

• Manage internal and external origination and distribution channels.
• Handle conflicting stakeholder expectations constructively.
• Coordinate with Credit, Risk, Legal and Operations teams.
• Ensure timely communication and transaction follow-up.

Mandatory Requirements

• MBA qualification.
• Currently based in Mumbai.
• Approximately 6–12 years of relevant experience.
• Proven deal-origination experience.
• Hands-on experience in structured finance.
• Experience working with banks, NBFCs, broking firms, investment banks or institutional finance businesses.
• Established relationships with DCM desks, funds or institutional lenders.
• Sound understanding of loans, securities and financial structures.

Required Competencies

• Deal origination and business development.
• Structured finance and loan syndication.
• Institutional relationship management.
• Financial and credit analysis.
• Commercial negotiation.
• Strong networking and interpersonal skills.
• Channel and stakeholder management.
• Analytical and organizational ability.
• Ability to multitask and work independently.