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Tata Capital
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Area Credit Manager - Supply Chain - Credit Appraisal

Area Credit Manager - Supply Chain - Credit Appraisal

Tata Capital

4 - 9 years

11 - 16 Lacs

Ahmedabad

Posted:3 days ago| Platform:

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Skills Required

risk management credit risk credit appraisal underwriting credit policy python supply chain sas risk strategy documentation supply corporate finance sql supply chain management vendor predictive modeling segmentation coaching consumer statistics

Work Mode

Work from Office

Job Type

Full Time

Job Description

We are looking for a skilled professional with 4 to 9 years of experience to join our team as an Area Credit Manager in Ahmedabad. The ideal candidate will have a strong background in corporate finance and credit appraisal, with excellent analytical and leadership skills.
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 undue delays.

Coordinate with the recoveries team and generate business insights.

Lead a team of credit approvers to ensure portfolio quality and delinquencies.

Develop and implement strategies to enhance consumer credit risk strategy and evolve underwriting norms customized to local market needs.

Job

MBA/PGDBA/PGPM/CA or equivalent degree.

Minimum 4 years of experience in corporate finance and credit appraisal.

Possess strong knowledge of credit policy, underwriting, and risk management.

Demonstrate excellent analytical, leadership, and communication skills.

Ability to work in a fast-paced environment and meet deadlines is essential.

Strong understanding of consumer credit risk strategy and its evolution is required.

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Tata Capital

Financial Services

Mumbai Maharashtra

5001-10000 Employees

3763 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 - Supply Chain - Credit Appraisal