Relationship Manager - Loan Against Securities (LAS)

Location: Lower Parel, Mumbai

About the Opportunity:

Our client is one of India's leading diversified financial services organizations, offering a comprehensive suite of wealth management, capital markets, lending, and investment solutions to HNIs, UHNWIs, family offices, corporates, and institutional clients. The organization is known for its strong market presence, client-centric approach, and innovative financial products.

Role Summary:

The Relationship Manager - Loan Against Securities (LAS) will be responsible for driving business growth by acquiring and managing HNI, UHNI, Corporate, and Institutional clients for capital market lending products. The role involves originating new lending opportunities, structuring customized financing solutions against financial securities, managing end-to-end client relationships, and working closely with Credit, Risk, Operations, Legal, and Product teams to ensure timely execution of transactions. The incumbent will also be responsible for portfolio growth, asset quality, collateral monitoring, and delivering a superior client experience while ensuring compliance with internal policies and regulatory guidelines.

Key Responsibilities:

- Manage and grow the Loan Against Securities (LAS) portfolio across HNI, UHNI, Family Office, Corporate, and Institutional clients.

- Source new business opportunities for capital market lending products, including LAS against listed equities, mutual funds, bonds, and other eligible financial securities.

- Build and maintain strong relationships with existing and prospective clients, wealth managers, brokers, and intermediaries.

- Assess client funding requirements and structure appropriate lending solutions based on collateral quality, client requirements, and internal risk parameters.

- Coordinate with Credit, Risk, Legal, Operations, and Product teams to facilitate seamless credit evaluation, sanction, documentation, and disbursement.

- Monitor portfolio quality, collateral values, margin requirements, and market movements to proactively manage portfolio risk.

- Ensure adherence to internal credit policies, regulatory guidelines, and operational processes throughout the lending lifecycle.

- Identify opportunities to cross-sell wealth management, investment, treasury, and other financial products to existing clients.

- Achieve assigned business, revenue, portfolio growth, and asset quality targets.

Key Requirements:

- MBA/PGDM from a reputed institute.

- Minimum 10 years of relevant experience in Loan Against Securities (LAS), Capital Market Lending, Structured Lending, or Wealth Lending.

- Proven experience in managing HNI, UHNI, Corporate, and Institutional client relationships.

- Strong understanding of capital markets, listed securities, collateral management, margin funding concepts, and lending products.

- Experience working closely with Credit, Risk, Operations, and Legal teams for end-to-end loan processing and portfolio management.

- Demonstrated track record of business development, portfolio acquisition, and revenue generation.

- Excellent relationship management, negotiation, communication, and stakeholder management skills.

- Strong analytical, problem-solving, and decision-making capabilities with a customer-centric approach.