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Tata Capital
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Area Credit Manager-CEQ-Credit Appraisal-Delhi Videocon Towers-JM*

Area Credit Manager-CEQ-Credit Appraisal-Delhi Videocon Towers-JM*

Tata Capital

5 - 9 years

6 - 11 Lacs

Mumbai

Posted:1 day ago| Platform:

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Skills Required

data analysis credit appraisal underwriting analysis tools financial modelling financial analysis risk management apqp credit underwriting credit analysis credit risk credit management auditing internal audit sales fmea msa ppap ca finance

Work Mode

Work from Office

Job Type

Full Time

Job Description

We are looking for a highly skilled and experienced Area Credit Manager to join our team in Delhi. The ideal candidate will have 5-9 years of experience in the banking or financial services industry, with a strong background in credit appraisal and analysis.

Roles and Responsibility

Prepare and amend credit notes and financial models with accurate information.

Interact regularly with collections and sales teams to track delinquencies and study delinquent cases.

Meet customers, both retail and strategic, to understand industry and market trends.

Control and monitor post-disbursement documents, invoices, insurance, and RC through interactions with sales and customers.

Manage portfolio quality, documentation, and delinquency levels.

Engage in projects and process improvements.

Develop market intelligence by interacting with people in other banks and FIs regarding their policies, focus areas, and portfolio health.

Identify automation opportunities in existing processes and new product development.

Ensure high-quality credit underwriting and raise early warning signals for stress accounts, taking timely measures for exit.

Minimize audit queries, including RBI and statutory audits, and resolve them within prescribed timelines.

Actively participate in customer visits and provide regular MIS on market intelligence.

Job

Minimum 5-9 years of experience in the banking or financial services industry.

Strong knowledge of credit appraisal, analysis, and underwriting principles.

Excellent communication and interpersonal skills.

Ability to work effectively in a team environment.

Strong analytical and problem-solving skills.

Proficiency in financial modeling and data analysis tools.

A minimum degree of MBA/PGDBA/PGPM/CA or equivalent is required.

Competencies include speed, meritocracy, leadership effectiveness, customer focus, tech quotient, sustainability, adaptability, influence, collaboration, integrity, resilience, agility, decisiveness, and risk management.

Functional competencies include preparing detailed credit notes, conducting client visits, analyzing transaction risks, identifying automation opportunities, and staying updated on market practices.

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Tata Capital

Financial Services

Mumbai Maharashtra

5001-10000 Employees

3543 Jobs

Key People

Rajesh Sethi

Managing Director & CEO
Supratim Bandyopadhyay

Chief Financial Officer
Ravi K. S. R.

Chief Technology Officer

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Area Credit Manager-CEQ-Credit Appraisal-Delhi Videocon Towers-JM*