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Tata Capital
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Area Credit Manager - Emerging Business - Credit Appraisal

Area Credit Manager - Emerging Business - Credit Appraisal

Tata Capital

3 - 8 years

12 - 16 Lacs

Ahmedabad

Posted:5 days ago| Platform:

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Skills Required

financial analysis risk management credit underwriting credit appraisal financial modelling risk assessment channel sales business development sales working capital marketing sales management channel partners market intelligence

Work Mode

Work from Office

Job Type

Full Time

Job Description

We are looking for a highly skilled and experienced Credit Appraisal Manager to join our team in Ahmedabad. The ideal candidate will have 3 to 8 years of experience in credit appraisal, risk assessment, and financial analysis. Roles and Responsibility
Prepare and amend notes and financial models with correct information.
Develop credit notes detailing transaction structuring and assessment.
Regularly interact with collections and sales teams to track delinquencies and study delinquent cases.
Meet customers to understand industry and market trends.
Pre-approve and rate clients with exposure over Rs 500L.
Conduct regular training sessions for sales, channel partners, and field staff on product policies and processes.
Control and monitor post-disbursement documents, invoices, insurance, and RC through interactions with sales and customers.
Manage the portfolio to meet quality documentation, post-disbursement documents, and delinquency levels requirements.
Work on projects and process improvements.
Perform detailed financial analysis, attending to major movements in P&L and Balance sheet, and ascertaining precise reasons for such movements.
Prepare credit notes comprising transaction structure and credit view, detailing risks and mitigants.
Conduct detailed financial appraisals covering business models, working capital cycles, profitability, etc.
Develop market intelligence by engaging 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 minimal audit queries, including RBI and statutory audits, and resolve them within prescribed timelines.
Actively participate in customer visits.
Provide regular MIS on market intelligence.

Job
Minimum 3 years of experience in credit appraisal, risk assessment, or financial analysis.
Strong knowledge of credit underwriting, financial modeling, and risk management.
Excellent analytical and problem-solving skills.
Ability to work effectively in a team environment.
Strong communication and interpersonal skills.
A minimum degree of MBA/PGDBA/PGPM/CA or equivalent is required.

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Tata Capital

Financial Services

Mumbai Maharashtra

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Area Credit Manager - Emerging Business - Credit Appraisal