RAJKOT · FULLTIME
Credit Manager - Micro Business Loans
Tata Capital
Rajkot · onsite · Posted 3d ago
Sourced from
Undisclosed2–4 yrsfulltimeRajkot
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Section · 01
About this role
To underwrite and manage the portfolio in assigned branch/location
Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities.
Under write proposals as per the laid down policies & procedure to honor the agreed SLAs and manage city/area business volumes.
Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits.
Assess income to obligation ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance during the loan tenure.
Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same.
Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties
Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems
Exceed service quality standards and strive for continuous process improvement
Undertake critical review of the credit proposals with a view to bring out the industry, business, financial, management and facility structure risk contained in the credit proposal.
Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal.
Enable quick turnaround time of credit lending proposals for the business in close liaison with the sales team.
Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable.
Facilitate critical review and documentation of the proposals and effectively monitor the client & collateral creditworthiness from the pre-sanction to post disbursement phase & undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal & documentation norms & policies
Manage the credit underwriting function of his/her branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team.
Post Graduate/ Graduate in any discipline
Disclaimer: This job posting has been aggregated from external source. Role details, content, and availability are subject to change. Applicants are advised to confirm the latest information directly on the company website before applying.
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Section · 02
Skills
Financial Managementrisk mitigationService qualityProcess ImprovementLoansquality standardsCredit Underwritingcredit riskLegal DocumentationMIS
Section · Company
About Tata Capital
Tata Capital
NBFC
12.4k+
employees
2007
19 years old
Mumbai, Maharashtra
India
About
Tata Capital operates in the financial services sector, offering a diverse range of solutions including commercial finance, personal loans, and wealth management.
Industries
NBFCFinancial Services
Employee ratings
5,719 reviews
3.9/ 5
Culture
3.8
Career growth
3.4
Work-life
3.8
Employees rate it well for
Work Culture402Salary377Work Life Balance336Work Environment315Senior Management246
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