Associate/ Senior Associate - Venture Financing - Business Development

This is a combined origination and credit role, responsible for identifying and originating lending opportunities, building client and channel relationships, and preparing the credit memo through to Credit Committee presentation. The Manager owns each deal end-to-end from sourcing through to a committee-ready credit memo; final sanction, disbursement and post-disbursement monitoring remain independently owned by the Credit Committee/Head – NBFC, preserving a clean separation between deal sourcing and final credit approval.

Key Responsibilities

1. Lead Generation & Origination

• Deal Sourcing: Identify and originate lending opportunities across corporate, SME and structured finance segments through market outreach, referrals and internal networks.

• Market Mapping: Map target industries, geographies and client segments to build a robust, qualified origination pipeline aligned with the NBFC's credit appetite.

2. Relationship Management

• Client Relationships: Build and nurture relationships with promoters, CFOs and corporate treasury teams to generate repeat and referral business.

• Channel Partnerships: Develop relationships with DSAs, intermediaries, consultants and other channel partners to expand origination reach.

3. Pitching & Preliminary Structuring

• Client Pitching: Present the NBFC's lending capabilities and product offerings to prospective clients, tailoring pitches to their financing needs.

• Preliminary Terms: Understand prospective clients' financing requirements and outline preliminary indicative terms and deal structure.

4. Credit Appraisal & Underwriting

• Financial & Risk Analysis: Conduct in-depth financial and credit analysis of borrowers — cash flows, leverage, working capital cycle, collateral and promoter strength — as part of the underwriting process.

• Structuring & Risk Mitigation: Assess industry and business risk, and recommend appropriate deal structure, security, covenants and risk-based pricing basis the borrower's risk profile.

5. Credit Memo Preparation & Committee Presentation

• Credit Memo Drafting: Prepare comprehensive, accurate credit memos covering business overview, financial analysis, industry risk, structure, collateral and risk mitigants, supported by robust financial models.

• Committee Presentation: Present credit memos to the Credit Committee/Sanctioning Authority, respond to queries and incorporate conditions precedent (CPs) as directed, prior to handoff for final sanction.

6. Pipeline & Reporting

• Pipeline Management: Maintain an accurate, up-to-date pipeline of prospects, tracking progress from lead through to credit memo submission.

• MIS & Reporting: Provide regular origination and credit-memo pipeline updates to the Head – NBFC.

7. Market Intelligence

• Competitive Awareness: Track competitor offerings, market pricing and industry trends to refine origination strategy, deal structuring and positioning.