Manager - Retail Credit

Tata Capital · Delhi · onsite · Posted 51d ago

Undisclosed3–8 yrsfulltimeSourced from Naukri

About a minute. You'll make an account on the way through.

About this role

To underwrite mortgage business and manage the portfolio in assigned branch/location

Core Responsibilities:

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 honour 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, loan to value ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance over long tenures.

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 mortgage business comprising of loan against property, and home loan 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.

Follow up and ensure recovery of quick mortality cases between

MOV.

Qualification : Graduate, Masters/Post Graduate

Certifications : CA/MBA (Preferable)

Disclaimer: This job posting and Location 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.

Sourced from naukri

Skills

retailrisk mitigationService qualityLendingProcess ImprovementDisbursementHome loanPost DisbursementMortgageCredit Underwritingcredit riskunderwritingoperationsSalesLegalLegal DocumentationKYCLoan against property

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

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