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Tata Capital
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Area Manager - Retail Credit - Credit - Housing

Area Manager - Retail Credit - Credit - Housing

Tata Capital

6 - 8 years

9 - 13 Lacs

Mumbai Pune Delhi / NCR

Posted:4 days ago| Platform:

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Skills Required

credit underwriting credit analysis credit appraisal mis retail credit business loan credit risk credit management credit processing corporate credit branch management branch operations credit policy home loans mortgage loans credit monitoring

Work Mode

Work from Office

Job Type

Full Time

Job Description

Core Responsibilities:

Manage the credit underwriting function of branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit Managers and sales team.

Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits.

Individually Underwrite proposals as per the laid down policies & procedure to honour the agreed SLAs and manage city/area business volumes.

Review and assess loan applications within defined guidelines send by team and accordingly take decision or recommend for approval to higher authorities.

Study , Analysis & interpretation of legal & technical reports.

Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same.

Manage Credit Managers & CPA team (Recruitment of CPA & managing all day to day activities of CM & CPA)

Effectively Manage & upskill Credit Managers /CPA along with allocation of workload.

Follow up and ensure recovery of quick mortality cases between 12 -18 MOV.

Audit Compliance on all aspects stipulated by corporate office and regulatory compliance.

Vendor Management Vendor Empanelment as per business requirement & vendor Review on periodic basis.

Various MIS as per the requirement of Corporate office. Desired Experience Minimum 6 to 8 years in the field.
Graduate Yes Masters/Postgraduate Yes Certifications CA
Location - Mumbai,Delhi / NCR,Pune,Bangalore,Hyderabad,Chennai

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Tata Capital

Financial Services

Mumbai Maharashtra

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Area Manager - Retail Credit - Credit - Housing