Tata Capital is Hiring For Credit Manager - Loan Against Securities

Job Summary: -

We are looking for a highly analytical and experienced professional for the role of Credit Manager - Loan Against Securities (LAS). The candidate will be responsible for underwriting LAS cases, assessing borrower creditworthiness, evaluating collateral quality, and managing portfolio risks while ensuring adherence to internal credit policies.

Roles & Responsibilities: -

• Evaluate and underwrite Loan Against Securities (LAS) proposals within defined credit policies and risk frameworks.
• Analyze financial statements, including Profit & Loss Accounts, Balance Sheets, Cash Flow Statements, and banking transactions.
• Assess borrowers' repayment capacity, financial strength, and overall creditworthiness.
• Conduct detailed evaluation of pledged securities including equities, mutual funds, bonds, and other eligible instruments.
• Monitor Loan-to-Value (LTV) ratios and identify potential market-related risks.
• Review and approve credit proposals within delegated authority limits.
• Work closely with Sales, Operations, Risk, and Business teams to ensure smooth loan processing and disbursement.
• Support and manage digital underwriting and digital credit journey processes.
• Ensure compliance with regulatory guidelines, internal policies, and audit requirements.
• Track portfolio quality and proactively identify early warning signals to mitigate credit risk.
• Prepare credit notes, risk assessment reports, and recommendation memos.

Preferred Candidate Profile

• Graduate/Postgraduate in Finance, Commerce, Management, Economics, or related disciplines.
• 4+ years of experience in Credit Underwriting, Loan Against Securities (LAS), Wealth Lending, or Secured Lending products.
• Hands-on experience in underwriting LAS cases.
• Strong understanding of financial statement analysis and credit appraisal.
• Good knowledge of capital markets, securities, stocks, mutual funds, and market-related risks.
• Experience in digital underwriting and digital lending platforms.
• Strong analytical, decision-making, and risk assessment abilities.
• Ability to work independently and manage multiple credit cases efficiently.
• Excellent communication and stakeholder management skills.

Regards,

Pushpa Koli

[email removed]