Associate Director- Capital Consultant (SME)

We are looking for a relationship-driven finance professional to acquire and manage SME and mid-market clients, understand their funding requirements, and deliver appropriate financing solutions. The role combines business development, working capital advisory, credit assessment, and portfolio management, with a strong emphasis on building long-term relationships with founders, CEOs, and CFOs.

Key responsibilities

Acquire SME and mid-market clients through targeted outreach, referrals, founder engagement, and professional networks. Build trusted relationships with founders and senior finance leaders to understand business performance, growth plans, and financing needs. Structure financing solutions across working capital, term loans, project finance, debt consolidation, and expansion funding.

Evaluate financial statements, cash flows, liquidity, profitability, debt-servicing capacity, and collateral to assess funding suitability. Manage and grow client portfolios by identifying additional financing opportunities, strengthening retention, and maintaining service quality. Coordinate with internal credit, risk, and operations teams to support assessment, documentation, approval, and timely disbursement.

Assess risks associated with complex financing requirements, including business expansion, asset acquisition, and debt restructuring. Align financing recommendations and deployment with clients’ working capital cycles and growth requirements. Monitor portfolio performance and emerging risks, coordinating timely action with relevant stakeholders.

Improve client onboarding and financing processes through cross-functional collaboration and customer feedback. Track market trends and competitor offerings to identify new business opportunities. Share pipeline updates, portfolio insights, and process recommendations with leadership; contribute to team development and knowledge sharing.

Candidate requirements 7-10 years Relevant experience in banking or NBFC lending, particularly SME or mid-market relationship management, working capital finance, or corporate lending. Demonstrated ability to acquire clients, deepen relationships, and grow a lending portfolio Strong understanding of credit appraisal, financial analysis, cash-flow assessment, and risk mitigation.

Experience translating business requirements into customized financing solutions. Confidence engaging with founders, CEOs, CFOs, and other senior stakeholders. Ability to balance commercial growth with credit quality, compliance, and customer experience. Experience coordinating cross-functional teams and managing multiple client requirements.

Strong communication, negotiation, analytical, and problem-solving skills. MBA/PGDM in Management, Finance, or a related discipline preferred. Team handling experience is must Preferred experience Exposure to mid-market lending transactions with ticket sizes of ₹10–100 crore. Experience with structured lending, debt consolidation, tenor restructuring, or expansion finance.

Participation in SME or founder outreach initiatives and financing education. A record of improving onboarding, client engagement, or business processes.