Portfolio Relationship Manager - Small Business Lending

Role/Designation: Portfolio Relationship Manager

Department: Portfolio Management, Small Business Lending

Reporting to: Associate Vice President - Portfolio

Job Location: Mumbai, India

Overview of the Job

Portfolio management in lending involves overseeing and optimizing a portfolio of loans to balance profitability, risk, and growth. This role is critical in financial institutions, including banks, NBFCs, and lending fintechs. Below is an overview of the responsibilities, skills, and key functions associated with this role.

Overview of the Function

This function supports business growth through effective financial advisory and risk management.

Best Things about the Job

• Working in a highly entrepreneurial setup with a visionary team passionate to help scale new heights of business success
• Exposure to exploring limitless possibilities and ideas no matter how impossible they may seem today
• CredAble thrives on transparency and a culture to nurture growth
• Being part of CredAble enables you to push beyond the ordinary

Your Role at CredAble

• Manage the existing Portfolio Relationships as assigned within the Small Business Lending team.
• Lead the onboarding, documentation, KYC and other operational requirements
• Daily operational activities wrt clients, overseeing disbursement activities, reminding of the payments etc.
• Participate in borrower Renewals, Enhancements on a regular basis
• Interaction with Internal stakeholders like risk ops, Finance, Lending, Credit, etc. on an everyday basis
• Assuring maximum utilization of sanctioned limits
• Ensuring Portfolio health, monthly & quarterly compliances for borrowers and tranche collections on due dates.
• Individual contributor role (I-C Role)

What will you bring to CredAble?

• Proven track record of managing all aspects of a successful product throughout its lifecycle
• Ability to manage high volume of clients with attention to detail.
• Relevant products experience such as unsecured business laons, wokring capital, supply chain finance.
• Fluent in giving presentations to top-level management
• Skilled at working effectively with cross-functional teams in a matrix organization
• Ability to be a self-starter and think strategically to independently drive business origination in the assigned market
• Structured and ability to think on his/her feet.

Education

• MBA Tier 1&2 colleges and Sales/Marketing education background preferred.