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Job Title: Associate Relationship Manager (ARM) Inclusive Finance Institution (Credit Analyst in Business Team) Department: Inclusive Finance Institution (IFI) Grade: Senior Manager / Associate Vice President (AVP) Location: Mumbai / Delhi Position Purpose The Associate Relationship Manager (ARM) is responsible for supporting and strengthening asset and liability relationships within the Inclusive Finance Institution (IFI) segment. The role involves monitoring portfolio quality, conducting detailed credit assessments, managing client onboarding and documentation, and contributing to the achievement of portfolio and revenue goals with optimal turnaround time (TAT). The IFI segment caters to small and mid-sized NBFC-MFIs (microfinance), as well as NBFCs engaged in affordable housing, MSME, vehicle loans, gold loans, education finance, and other financial services. Key Responsibilities Credit Assessment and Client Engagement: Conduct in-depth assessments of client businesses, promoter backgrounds, and industry dynamics to evaluate creditworthiness. Prepare and present credit proposals for products such as long-term loans, working capital loans, and foreign currency loans, incorporating financial, risk, business model, and liquidity analyses. Work closely with the Relationship Manager to present proposals to the appropriate credit committee and structure suitable financial solutions for clients. Engage with clients directly to understand business needs, enabling better credit structuring and identifying cross-sell opportunities. Promote a broad suite of banking products including fixed deposits, salary accounts, APIs, and retail offerings, aligning with the One Bank approach. Documentation and Onboarding: Collaborate with internal teams including Credit, Compliance, Credit Administration (CAD), Legal, Treasury, and Branch Banking to facilitate seamless client onboarding and servicing. Ensure timely and accurate documentation in line with internal policies and regulatory standards. Portfolio Monitoring and Risk Management: Monitor portfolio quality through regular client reviews and timely identification of early warning signals or signs of stress. Track utilization of sanctioned limits, resolve compliance issues, and proactively manage portfolio risks. Qualifications And Requirements MBA-Finance from a premier institution or Chartered Accountant (first attempt) Skills And Competencies The ideal candidate should possess strong credit writing skills with the ability to comprehensively address all relevant credit and risk-related aspects. A sound understanding of NBFC operations, RBI regulatory frameworks, basic banking products, and macroeconomic and industry trends is essential. Familiarity with credit underwriting and financial structuring will be a key asset. Effective verbal and written communication, including proficiency in report writing and presentation, is vital. The candidate should demonstrate a proactive and self-driven attitude, a high degree of ownership and accountability, and strong analytical thinking. The role also demands strong interpersonal skills for client engagement and coordination with internal stakeholders. A collaborative mindset, problem-solving ability, and the capacity to manage complex tasks across teams are critical for success. Key Success Factors Deep understanding of credit assessment and structuring Analytical and problem-solving capabilities Ability to work collaboratively and influence outcomes across teams (ref:iimjobs.com) Show more Show less
