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Tata Capital
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Area Credit Manager-Leasing-Credit Appraisal

Area Credit Manager-Leasing-Credit Appraisal

Tata Capital

2 - 4 years

8 - 12 Lacs

mumbai pune

Posted:1 day ago| Platform:

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Skills Required

financial analysis risk management credit underwriting sales underwriting balance sheet credit analysis credit risk credit management auditing credit appraisal working capital disbursement financial modelling home loans lap ca finance

Work Mode

Work from Office

Job Type

Full Time

Job Description

About The Role
Area Credit Manager Leasing REPORTS TO (SOLID & MATRIX): Position Grade:M4/M5 Business Unit: SME Department:Credit Sub Function: Leasing Location: Number of PositionsSingle/ Multiple Position TypeFull Time
Job Purpose
Direct Reports (Position Title)
Resources

The objective of the role is to ensure vigorous credit underwriting, monitor delinquencies, and enhance market intelligence. This involves preparing credit notes, conducting client visits, and analysing transaction risks. The role also includes identifying automation opportunities, minimizing audit queries, and staying updated on market practices to facilitate informed decision-making.

Team Size
Direct3 Indirect Team Size (Onrolls)3 Financial Resources Book SizeINR XX Net interest incomeMain Accountabilities
Qualifications & Experience

Minimum DegreeMBA/PGDBA/PGPM/ CA or Equivalent

Minimum Years/type ofexperience5 - 9 years in Banks/FIs

Competencies

Speed

Meritocracy

Leadership Effectiveness

Customer Focus

Tech Quotient

Sustainability

Adaptability

Influence

Collaboration

Integrity

Resilience

Agility

Decisiveness

Risk management

Financial acumen

Functional Competencies TCL shall populate as per the existing grid
Key Decisions taken

Amendment of credit notes and financial models.

Preparation of detailed credit notes.

Interaction with collections and sales teams for delinquency tracking.

Customer meetings for industry and market understanding.

Prepare/amend the note / financial model with correct information (gathered via business team / public domain / other resources)

Prepare the credit note comprising of the detailed transaction structuring/ assessment with a focus on the assessment part of the sought credit facility

Undertake regular interaction with collections / sales to track delinquencies Study delinquent cases with a view to derive learning and sharing the same with the team

Meet customers (retail & strategic) at regular intervals to understand various industry & markets

Pre approval and rating of all clients with exposure more than Rs 500L Regular Training sessions for Sales / Channel Partners / Filed sales staff on the various product policies & processes

Control & Monitoring of Post Disbursement Documents Invoice, Insurance & RC by way of interaction with sales and customers

Managing portfolio to meet the requisite quality of documentation, post disbursal documents and delinquency levels

Working on projects/process improvements from time To time

Critically evaluate the transaction risk, business & Financial risk of the borrower as well as industry risk involved in any given industry

Identify relevant and associated risk as aforementioned and to submit appropriate mitigate against each

Perform the financial analysis in detail attending to all major movements in P&L & Balance sheet while ascertaining /citing the precise reason of such movement

Prepare the Credit Note comprising of structure of the transaction and view of credit, detailing risk and mitigants

Detailed financial appraisal covering the business model, working capital cycle, profitability etc

Development of market intelligence by engaging with the people in other banks and FIs w.r.t. their policies, focus area, portfolio health

Identify the automation opportunities in existing processes, new product development

Quality of Credit Underwriting

Raise early warning signals for exit of stress accounts and take due measures for timely exit

Ensure minimal audit queries including RBI and statutory audits and resolve the same within prescribed timelines

Through market knowledge of CE /CV market practices

Active involvement in customer visit

Regular MIS on market intelligence

JD Written by JD Approved by
Location - mumbai,delhi,pune,bangalore,hyderabad,chennai

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Tata Capital

Financial Services

Mumbai Maharashtra

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Area Credit Manager-Leasing-Credit Appraisal