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Tata Capital
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Area Credit Manager - Leasing - Credit Appraisal

Area Credit Manager - Leasing - Credit Appraisal

Tata Capital

6 - 9 years

10 - 14 Lacs

Mumbai

Posted:2 days ago| Platform:

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Skills Required

credit analysis credit appraisal financial services corporate finance credit risk management credit underwriting credit risk credit management disbursement credit approval underwriting hub credit policy lap home loans mortgage loans 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 lead our leasing credit appraisal team in Mumbai. The ideal candidate will have 6-9 years of experience in corporate finance, banking, or financial services. Roles and Responsibility
Support and collaborate with business teams to manage end-to-end credit approval for the designated region.
Underwrite cases and present them to senior level, authorizing deviations documented by underwriters in compliance with credit policy.
Finalize review of credit memos and sign-off on approvals or declines after checking documentation requests.
Approve disbursement requests based on achieved adherence to requirements on agreement value and full documentation attainment at the branch level.
Monitor and oversee PDD management, ensuring timely completion of personal discussion documents through customer visits in high-value cases.
Engage in development, implementation, review, and monitoring of various credit programs, providing training and coaching to continuously upgrade the competency of the team.
Ensure due diligence in credit analysis, customer application screening, evaluation, underwriting, and sanctioning of loans.
Oversee and initiate follow-ups with external vendors (FI, Legal & Technical valuations) to ensure timely query resolution/report submission and eliminate any undue/non-process related delays.
Coordinate with the recoveries team and generate business insights.
Lead a team of credit approvers to ensure portfolio quality and delinquencies.
Develop, implement, review, and monitor various credit programs and provide training and coaching to continuously upgrade the competency of the team and improve processing efficiency of the HUB.
Evolve underwriting norms customized to local market needs and ensure continued enhancement and execution of consumer credit risk strategy.

Job
MBA/PGDBA/PGPM/CA or equivalent degree.
Possess strong knowledge of corporate finance, banking, and financial services.
Demonstrate excellent analytical and problem-solving skills.
Exhibit effective communication and leadership abilities.
Ability to work in a fast-paced environment and meet deadlines is essential.
Strong understanding of credit risk management principles and practices is required.

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Tata Capital

Financial Services

Mumbai Maharashtra

5001-10000 Employees

3754 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 - Leasing - Credit Appraisal