1497 Credit Appraisal Jobs - Page 18

You will help solve analytical problems across the organization and propose product and credit policy changes to improve company profitability. Specifically, you will monitor the portfolio, create a user valuations model, and propose new product and pricing strategies. Responsibilities Build and maintain a user level valuations model to inform future product and marketing decisions and analyze drivers of profitability Monitor and update credit policy to optimize for company risk, profitability, and growth targetsPropose data driven product changes to improve customer experience and company profitability. Partner with product and engineering teams to implement your solution into production Monitor the company portfolio to identify trends, and lead weekly credit committee meeting to share performance updates and analysis Conduct ad-hoc analysis to identify underlying explanations for changes in portfolio performance, develop data-driven solutions, and evaluate expected portfolio impacts Collaborate with data science, product, and engineering to propose hypothesis testing to improve risk and profitabilityDevelop statistical models to assist in pricing and user segmentation for capital markets transactions and financial data analysisSupport the marketing and product team with their data needs Qualifications Fluency in SQL and R/Python Previous experience in analytics and/or quantitative modeling, using large datasets Experience analyzing, visualizing and communicating impactful insights to management, investors and/or auditors Strong strategic thinking and problem-solving skills 2-4 years relevant experience in Credit Analytics, preferably in the India Fintech industry Enthusiasm for working across cultures, functions and time zones

Job Description You will help solve analytical problems across the organization and propose product and credit policy changes to improve company profitability. Specifically, you will monitor the portfolio, create a user valuations model, and propose new product and pricing strategies. Responsibilities Build and maintain a user level valuations model to inform future product and marketing decisions and analyze drivers of profitabilityMonitor and update credit policy to optimize for company risk, profitability, and growth targetsPropose data driven product changes to improve customer experience and company profitability. Partner with product and engineering teams to implement your solution into productionMonitor the company portfolio to identify trends, and lead weekly credit committee meeting to share performance updates and analysisConduct ad-hoc analysis to identify underlying explanations for changes in portfolio performance, develop data-driven solutions, and evaluate expected portfolio impactsCollaborate with data science, product, and engineering to propose hypothesis testing to improve risk and profitabilityDevelop statistical models to assist in pricing and user segmentation for capital markets transactions and financial data analysisSupport the marketing and product team with their data needs Qualifications Fluency in SQL and R/PythonPrevious experience in analytics and/or quantitative modeling, using large datasetsExperience analyzing, visualizing and communicating impactful insights to management, investors and/or auditorsStrong strategic thinking and problem-solving skills2-4 years relevant experience in Credit Analytics, preferably in the India Fintech industryEnthusiasm for working across cultures, functions and time zones

TATA AIG General Insurance Company Limited is looking for Senior Manager - SME to join our dynamic team and embark on a rewarding career journey. Provide subject matter expertise in cloud engineering and operations. Develop and implement cloud infrastructure and solutions. Monitor and optimize cloud performance and reliability. Collaborate with cross-functional teams to integrate cloud solutions with existing systems. Ensure compliance with security and regulatory requirements. Prepare and present reports on cloud performance and recommendations for improvement.

: Job Title Corporate Bank Financial Crime Risk, AVP LocationMumbai, India Role Description The Financial Crime Risk Management Function is a Global front office function within Corporate Bank Non-Financial Risk with the primary objective to support the Corporate Bank by focusing on holistic front-to-back risk management of Financial Crime Risk as part of the 1st Line of Defence. The CB NFR teams mandate is to identify non-financial risks such as regulatory, conduct and systemic risks, define mitigation processes for those risks, as well as to develop, implement and monitor Level 1 controls. In addition to working closely with the product, coverage and sales desks, the groups reach and interaction will be broad, including engagement within Corporate Bank (CB) and those functions forming the 2nd Line of Defence within the 3 Lines of Defence (3LoD) program. You will be in the Financial Crime Risk Management Function working as part of the India Desk. You may also participate in some of the cross-CB NFR projects from time to time. What well offer you 100% reimbursement under child care assistance benefit (gender neutral) Sponsorship for Industry relevant certifications and education Accident and Term life Insurance Your key responsibilities Contribute to Governance framework for relevant Financial Crime Risk (help setup and preparation for forums, information flow and tracking of action items and escalations to resolution). Support the execution of the dynamic risk framework and assurance of controls along internal requirements and minimum control standards; as well as identification, definition, and implementation of risk metrics to help measure and manage Financial Crime risk types across CB. Face-off to relevant 2LOD AFC team on upcoming regulatory and policy changes and support implementation of changes related to Financial Crime related policy/procedures across CB businesses. Produce and maintain relevant procedures covering CB division along with nuances for CB products and functions. Help run Governance Meetings, validate existing risk items, update progress status and work with relevant stakeholders on key risk items, mitigation factors adopted/ to be adopted. Execute on the findings book of work in CB for Financial Crime risk related items and appropriate MI/Reports. Participate in Global/regional projects and initiatives related to regulatory developments and policy changes affecting CB. Develop professional working relationships with colleagues, business and respective supporting teams. Your skills and experience At least 5 years of proven experience in non-financial risk management domain combined with strong knowledge of Corporate Bank business. Strong background/knowledge of Financial Crime risk topics balanced with Client Centricity. Experience of working with an interface to a regulator will be a Plus. Demonstrated experience in setting up Governance structures in Financial Crime Risk area. Excellent analytical, decision-making & problem-solving skills. Logical thinker with a strategic mindset and exceptional tactical execution skills Highly motivated to drive change, self-reliant, adaptable with a structured way of working with high willingness to take responsibility, and ability to deliver highest level of quality under time pressure. High appreciation as well as ability to formulate a fact based, independent and objective viewpoint; good presentation / communication skills sufficient to convey complex conceptual information / ideas on issues requiring interpretation and opinion and ability to interact effectively with stakeholders and line managers Team player with the ability to address ad-hoc requests, take on a significant amount of work across multiple tasks and topics; proven ability to work in a globally divers team; attention to detail and ability to prioritize workload Excellent English language skills. Excellent German language skills a Plus. Strong proficiency of MS Office (Excel, PowerPoint, Word) and understanding of relational database and reporting tools How well support you About us and our teams Please visit our company website for further information: https://www.db.com/company/company.htm We strive for a culture in which we are empowered to excel together every day. This includes acting responsibly, thinking commercially, taking initiative and working collaboratively. Together we share and celebrate the successes of our people. Together we are Deutsche Bank Group. We welcome applications from all people and promote a positive, fair and inclusive work environment.

We are looking for a skilled professional to fill the role of Associate General Manager-TSD at PIRAMAL ENTERPRISES LTD, located in [location to be specified]. The ideal candidate will have a strong background in Biotechnology/Pharmaceutical/Clinical Research and 6-10 years of experience. Roles and Responsibility Develop and implement strategic plans to achieve business objectives. Lead cross-functional teams to drive growth and innovation. Collaborate with stakeholders to identify and mitigate risks. Analyze market trends and competitor activity to inform decisions. Build and maintain relationships with key customers and partners. Drive process improvements to increase efficiency and productivity. Job Requirements Proven track record of success in a similar role. Strong leadership and management skills. Excellent communication and interpersonal skills. Ability to analyze complex data and make informed decisions. Experience in change management and organizational development. Strong problem-solving and project management skills.

Roles and Responsibilities Manage credit proposals from sourcing to disbursement, ensuring timely decision-making and high-quality appraisal reports. Conduct thorough credit analysis, assessment, and evaluation of loan applications within defined policy guidelines. Develop strong relationships with customers through effective communication and negotiation skills. Collaborate with internal teams to resolve customer queries and issues related to loan processing. Ensure compliance with regulatory requirements, risk policies, and procedures. Desired Candidate Profile 5-10 years of Credit Underwriting experience in Unsecured Lending (Business Loans) or similar roles. Strong understanding of Credit Underwriting principles, practices, and regulations. Excellent analytical skills for conducting comprehensive credit assessments and evaluations. Ability to work independently with minimal supervision while maintaining high levels of accuracy and attention to detail. Interested candidates can share their updated resume to Maruthu.PandianP@Piramal.com or whatsapp - 7305615420

We are looking for a skilled professional with 5 to 15 years of experience to join our team as a Manager - Retail Credit - Housing - EM in Rajahmundry. Roles and Responsibility Manage and oversee the retail credit housing process, ensuring timely and efficient loan disbursement. Develop and implement strategies to enhance customer satisfaction and loyalty. Collaborate with cross-functional teams to achieve business objectives and goals. Analyze market trends and competitor activity to identify growth opportunities. Ensure compliance with regulatory requirements and internal policies. Lead and motivate a team of credit professionals to achieve sales targets and performance metrics. Job Requirements Minimum 5 years of experience in retail credit or related fields, preferably in banking or financial services. Strong knowledge of housing finance, mortgage loans, and related products. Excellent communication, leadership, and interpersonal skills. Ability to work in a fast-paced environment and meet deadlines. Strong analytical and problem-solving skills with attention to detail. Experience working with electronic systems and software applications.

We are looking for a highly skilled and experienced Credit Manager to join our team in Erode. The ideal candidate will have 2-5 years of experience in the field. Roles and Responsibility Review and assess complex loan applications within defined guidelines, making decisions or recommending approval to higher authorities. Underwrite proposals as per laid down policies and procedures to meet business volumes and agreed SLAs. Conduct personal discussions with customers to establish creditworthiness and ensure completion of credit/KYC documents and verification. Assess income to obligation ratios, loan to value ratios, and possess in-depth knowledge of ratio calculations and their impact on loan performance over long tenures. Maintain Portfolio MIS, Delinquency MIS, and other operations-related MIS of the cluster, regularly reporting the same. Build and facilitate effective relationships with third parties to achieve the best outcomes for clients. Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems. Exceed service quality standards and strive for continuous process improvement. Undertake critical review of credit proposals to identify industry, business, financial, management, and facility structure risks. Ensure collateral and other credit risk mitigation are in place to facilitate approving authority decision-making on credit proposals. Enable quick turnaround time of credit lending proposals for mortgage business in close liaison with the sales team. Undertake ongoing review of credit exposures to ensure continued bankability. Facilitate critical review and documentation of proposals and effectively monitor client & collateral creditworthiness from pre-sanction to post-disbursement, undertaking risk mitigation steps while ensuring adherence to legal & documentation norms & policies. Manage the credit underwriting function of the branch and facilitate quick turnaround of credit lending proposals in close liaison with local credit analysts and sales team. Follow up and ensure recovery of quick mortality cases between 12-18 MOV. Job Graduate or Postgraduate degree with a strong academic record. Minimum 2 years of experience in credit management, preferably in housing finance. Strong knowledge of credit underwriting, risk assessment, and portfolio management. Excellent communication and interpersonal skills, with the ability to build strong relationships with clients and stakeholders. Proficiency in MS Office and other relevant software applications. Ability to work in a fast-paced environment and meet deadlines. CertificationsCA/MBA (Preferable). Additional Info The selected candidate will be required to manage a team of credit analysts and sales professionals.

We are looking for a highly skilled and experienced Credit Executive to join our team in Jaipur. The ideal candidate will have 2-5 years of experience in the banking or financial services industry, with expertise in credit underwriting, disbursements, collateral management, and coordination with cross-functional sales operations. Roles and Responsibility Conduct personal discussions on cases according to laid down policies and procedures while maintaining strict adherence to quality. Adhere to agreed SLAs and timelines for completing assigned activities. Protect company assets through proper evaluation of all credit requests, establishing credit limits, and ensuring adequate documentation and security. Communicate credit decisions effectively to stakeholders. Enhance underwriting efficiencies while ensuring risk management. Perform Loan Account Verification, Cross Verification (Member House Visit), KYC Check, Bank Passbook and other Document Check, Income and Expense Assessment, Check on Influence of Middleman, Negative Area Check, CPC Checklist Verification, Loan Card Check of other Lending Institutions, Bucket Monitoring, Death Case Verification, Branch Compliances, and ICQ Observation Closure. Job Minimum 2 years of experience in the banking or financial services industry. Strong skills in underwriting, disbursements, collateral management, and coordination with cross-functional sales operations. Ability to work in a fast-paced environment and meet deadlines. Excellent communication and interpersonal skills. Strong analytical and problem-solving skills. Ability to maintain confidentiality and handle sensitive information. Educational qualificationsAny Graduate or Postgraduate degree. About Company TATA CAPITAL LIMITED is a leading player in the banking and financial services industry, committed to providing exceptional customer service and building long-term relationships with its clients.

We are looking for a highly skilled and experienced Credit Executive to join our team in Jhalawar. The ideal candidate will have 2 to 7 years of experience in the banking or financial services industry, with expertise in underwriting, disbursements, collateral, and coordination with cross-functional sales operations. Roles and Responsibility Conduct personal discussions on cases according to laid down policies and procedures while maintaining strict adherence to quality. Adhere to agreed SLAs and timelines for completing assigned activities. Evaluate credit requests, establish credit limits, and ensure all loans are adequately documented and secured by appropriate collateral. Communicate credit decisions effectively to stakeholders. Enhance underwriting efficiencies while ensuring adequate risk management. Perform Loan Account Verification, Cross Verification (Member House Visit), KYC Check, Bank Passbook and other Document Check, Income and Expense Assessment, Check on Influence of Middleman, Negative Area Check, CPC Checklist Verification, Loan Card Check of other Lending Institutions, Bucket Monitoring, Death Case Verification, Branch Compliances, and ICQ Observation Closure. Job Minimum 2 years of experience in the banking or financial services industry. Strong skills in underwriting, disbursements, collateral, and coordination with cross-functional sales operations. Ability to evaluate credit requests, establish credit limits, and ensure proper documentation and security. Excellent communication skills for effective stakeholder interaction. Ability to improve underwriting efficiencies while managing risks. Familiarity with loan account verification, cross verification, KYC check, bank passbook check, income and expense assessment, and CPC checklist verification.

We are looking for a skilled professional with 4 to 9 years of experience to join our team as an Area Credit Manager in the leasing and credit appraisal department based in Delhi. The ideal candidate will have a strong background in corporate finance and credit risk management. 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, 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. Minimum 4 years of experience in corporate finance, credit risk management, or a related field. Possess strong knowledge of credit underwriting, credit appraisal, and credit risk management principles. Demonstrate excellent leadership and team management skills, with the ability to lead a team of credit approvers. Exhibit strong analytical and problem-solving skills, enabling sound decision-making in complex situations. Ability to work in a fast-paced environment and meet deadlines is essential.

We are looking for a highly skilled and experienced Area Credit Manager to lead our retail credit team in Thiruvananthapuram. The ideal candidate will have 6-9 years of experience in the banking or financial services industry, with a strong background in credit underwriting and portfolio management. Roles and Responsibility Manage a team of Branch credit managers and Credit Executives to achieve business objectives. Conduct personal discussions with customers to establish creditworthiness and make informed decisions. Ensure pre and post sanction credit risk compliance to maintain high standards. Control delinquencies through portfolio review, particularly monitoring non-starters. Coordinate with sales teams to achieve targets and ensure timely completion of tasks. Support and train the team of Credit Managers/officers to enhance their skills and knowledge. Job Graduate in any discipline with a strong academic record. Minimum 6 years of experience in credit underwriting and portfolio management. Possess strong knowledge of credit principles, practices, and regulations. Demonstrate excellent communication, leadership, and interpersonal skills. Ability to work closely with regional Credit Managers and internal teams like ICQ, Operational, and Sales. Strong analytical and problem-solving skills are required to control portfolio performance and manage risks.

We are looking for a highly skilled and experienced Area Credit Manager to join our team in Lucknow. The ideal candidate will have 6-8 years of experience in corporate finance, credit appraisal, and portfolio management. 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. 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, engaging in development, implementation, review, and monitoring of various credit programs and providing training and coaching to continuously upgrade the competency of the team and improve processing efficiency of the HUB. Ensure due diligence in credit analysis, customer application screening, evaluation, underwriting, and sanctioning of loans. Evolve underwriting norms customized to local market needs and enhance and execute consumer credit risk strategy. Job MBA/PGDBA/PGPM/CA or equivalent degree. Possess strong knowledge of corporate finance, credit appraisal, and portfolio management. Demonstrate excellent leadership and team management skills. Exhibit strong analytical and problem-solving skills. Ability to work in a fast-paced environment and meet deadlines is essential. Strong communication and interpersonal skills are required.

We are looking for a skilled professional with 4 to 9 years of experience to join our team as an Area Credit Manager in Kolkata. 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, 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. Minimum 4 years of experience in corporate finance and credit appraisal. Possess strong knowledge of credit policy, underwriting, and risk assessment. Demonstrate excellent analytical, leadership, and communication skills. Ability to work in a fast-paced environment and meet deadlines is essential. Strong attention to detail and organizational skills are required.

We are looking for a highly skilled and experienced professional to join our team as an Area Credit Manager in Emerging Business, based in Mumbai - Lower Parel. The ideal candidate will have 6-9 years of experience in the banking or financial services industry. Roles and Responsibility Ensure quality credit underwriting and maintain high standards. Monitor portfolio performance, including delinquencies, deferrals, and annual reviews/renewals. Develop market intelligence through regular interactions with competitors, key business groups, and CA firms. Identify potential stress accounts and take proactive measures for timely exit. Resolve audit queries, including RBI and statutory audits, within prescribed timelines. Collaborate with cross-functional teams to achieve business objectives. Job Strong knowledge of credit appraisal and underwriting principles. Excellent analytical and problem-solving skills. Ability to work in a fast-paced environment and meet deadlines. Strong communication and interpersonal skills. Experience in managing portfolios and developing market intelligence. Familiarity with auditing processes and regulatory requirements. A graduate degree is required for this position.

We are looking for a highly skilled and experienced Quality Executive to join our team in Khurja. The ideal candidate will have 11-14 years of experience in quality control, preferably in the banking or financial services industry. Roles and Responsibility Conduct personal discussions with cases as per laid down policies and procedures while maintaining strict adherence to quality. Adhere to agreed SLAs and timelines in completing assigned activities. Utilize underwriting, disbursements, collateral, and coordination with cross-functional sales operations skills. Protect company assets through proper evaluation of credit requests, establishing credit limits, and ensuring all loans are adequately documented and secured by appropriate collateral. Communicate credit decisions effectively to stakeholders. Enhance underwriting efficiencies while ensuring adequate risk management. Job Minimum 11 years of experience in quality control, preferably in banking or financial services. Strong knowledge of underwriting, disbursements, collateral, and coordination with cross-functional sales operations. Ability to evaluate credit requests, establish credit limits, and ensure proper documentation and security. Excellent communication skills for effective stakeholder interaction. Strong analytical skills for improving underwriting efficiencies and risk management. Familiarity with Loan Account Verification, Cross Verification, KYC Check, Bank Passbook, and other Document Check.

We are looking for a highly motivated and experienced Quality Executive to join our team in Gorakhpur. The ideal candidate will have 2-5 years of experience in sales, relationship management, and customer service. Roles and Responsibility Ensure achievement of disbursement targets with minimum delinquency. Identify joint liability groups and disbursed loans to suit target customers and geographies. Enable business growth by developing and managing teams across assigned territories. Assess potential client base and product acceptability in new regions. Manage disbursement, repayment, and delinquency, achieving daily/weekly collections targets. Follow up on disbursed loans, especially those not paying on time. Undertake regular field visits, center meetings, and loan applications. Maintain portfolio quality by tracking and controlling normal dues, non-starters, delinquency, and frauds. Build strong client relationships both internally and externally, and establish a strong brand identity with potential customers. Ensure weekly/daily meetings and visits to the center. Job Graduate in any discipline. Minimum 2 years of experience in sales or relationship management. Possess a basic understanding of microfinance business and JLG model working. Demonstrate critical attributes of customer service. Exhibit skills in relationship management and business sourcing. Have a flair for sales. Be able to work in a fast-paced environment and meet targets.

We are looking for a highly motivated and experienced professional to join our team as a Customer Service Representative in Hyderabad. The ideal candidate will have 2 to 7 years of experience in customer service, sales, or related fields. Roles and Responsibility Achieve business targets by acquiring new client relationships and maintaining existing ones. Identify target areas for prospective business and pre-screen customer segments according to organizational norms. Ensure login and disbursement numbers meet requirements. Proactively understand customer needs and cross-sell multiple products. Execute sales promotion activities to build customer interest in the TCFSL brand. Build strong client relationships both internally and externally, promoting a strong brand identification with potential customers. Job Graduate in any discipline. Minimum 2 years of experience in customer service, sales, or related fields. Possess strong communication and interpersonal skills. Demonstrate the ability to work in a fast-paced environment and meet deadlines. Exhibit excellent problem-solving and analytical skills. Be capable of building strong relationships with clients and vendors. Ensure compliance with all Audit/RBI regulations.

We are looking for a highly skilled and experienced Customer Service Executive to join our team in Delhi. The ideal candidate will have 2 to 7 years of experience in customer service, preferably in the banking or financial services industry. Roles and Responsibility Perform various tasks under the guidance of the Supervisor/Manager. Identify potential business customers with the help of the Supervisor/Manager. Collect and validate customer documents according to organizational norms. Log cases in the system as per SOP and follow the disbursement process. Fulfill the sanction ratio as per organizational requirements. Meet customer needs and cross-sell multiple products under the guidance of the Supervisor/Manager. Empanel new vendors and develop relationships with them. Ensure compliance with all Audit/RBI regulations. Job Minimum 2 years of experience in customer service, preferably in banking or financial services. Strong knowledge of customer service principles and practices. Excellent communication and interpersonal skills. Ability to work in a fast-paced environment and meet targets. Strong analytical and problem-solving skills. Experience in personal loans and direct sales is an added advantage. Any graduate can apply for this position. About Company TATA CAPITAL LIMITED is a leading player in the banking and financial services industry, committed to providing exceptional customer service and building long-term relationships with its clients.

We are looking for a highly skilled and experienced Area Credit Manager to join our team in Ranchi. The ideal candidate will have 6-10 years of experience in corporate finance, credit appraisal, or a related field. 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. 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, engaging in development, implementation, review, and monitoring of various credit programs and providing training and coaching to continuously upgrade the competency of the team and improve processing efficiency of the HUB. Ensure due diligence in credit analysis, customer application screening, evaluation, underwriting, and sanctioning of loans. Evolve underwriting norms customized to local market needs and enhance and execute consumer credit risk strategy. Job MBA/PGDBA/PGPM/CA or equivalent degree. Possess strong knowledge of corporate finance, credit appraisal, and financial services. Demonstrate excellent leadership and team management skills. Exhibit strong analytical and problem-solving skills. Ability to work in a fast-paced environment and meet deadlines is essential. Strong communication and interpersonal skills are required.

We are looking for a highly skilled and experienced professional with 2 to 7 years of experience to join our team as a Manager - Retail Credit - Housing - Credit in Gadag, Maharashtra. The ideal candidate will have a strong background in credit underwriting and management. Roles and Responsibility Review and assess complex loan applications within defined guidelines. Conduct personal discussions with customers to establish creditworthiness and ensure completion of credit/KYC documents and verification. Assess income to obligation ratios, loan to value ratios, and calculate ratios to determine loan performance over long tenures. Maintain Portfolio MIS, Delinquency MIS, and other operations-related MIS of the cluster and regularly report the same. Build and facilitate effective relationships with third parties to achieve the best outcomes for clients. Undertake critical review of credit proposals to identify industry, business, financial, management, and facility structure risks. Ensure collateral and other credit risk mitigation are in place to support approving authority decisions on credit proposals. Enable quick turnaround time of credit lending proposals for mortgage business in close liaison with the sales team. Undertake ongoing review of credit exposures to maintain bankability standards. Facilitate critical review and documentation of proposals and monitor client & collateral creditworthiness from pre-sanction to post-disbursement, undertaking risk mitigation steps while ensuring adherence to legal & documentation norms & policies. Manage the credit underwriting function of the branch and facilitate quick turnaround of credit lending proposals in close liaison with local credit analysts and sales team. Follow up and ensure recovery of quick mortality cases between 12-18 MOV. Job Graduate or Postgraduate degree. CA/MBA certification is preferable. Minimum 2 years of experience in credit underwriting and management. Possess strong knowledge of credit underwriting principles and practices. Demonstrate excellent communication and interpersonal skills. Ability to work effectively in a fast-paced environment and meet deadlines.

We are looking for a skilled professional with 6 to 11 years of experience to underwrite corporate finance business and manage the portfolio in assigned areas. The ideal candidate will have a strong background in credit appraisal and risk management. Roles and Responsibility Support and collaborate with business teams to manage end-to-end credit approval for designated regions. 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. 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. Engage in developing, implementing, reviewing, and monitoring various credit programs, providing training and coaching to continuously upgrade the competency of the team and improve processing efficiency of the HUB. Ensure due diligence in credit analysis, customer application screening, evaluation, underwriting, and sanctioning of loans. Evolve underwriting norms customized to local market needs and enhance and execute consumer credit risk strategy. Job MBA/PGDBA/PGPM/CA or equivalent degree. Minimum 6 years of experience in credit appraisal and risk management. Strong knowledge of credit policies, procedures, and regulations. Excellent communication and leadership skills. Ability to work in a fast-paced environment and meet deadlines. Strong analytical and problem-solving skills. Experience in leading a team of credit approvers to ensure portfolio quality and delinquencies. Skills in development, implementation, review, and monitoring of various credit programs, along with training and coaching to continuously upgrade the competency of the team and improve processing efficiency of the HUB. Ensure due diligence in credit analysis, customer application screening, evaluation, underwriting, and sanctioning of loans. Evolve underwriting norms customized to local market needs and enhance and execute consumer credit risk strategy.

We are looking for a highly skilled and experienced Customer Service Executive to join our team in Chennai. The ideal candidate will have 2 to 7 years of experience in customer service, preferably in the banking or financial services industry. Roles and Responsibility Perform various tasks under the guidance of the Supervisor/Manager. Identify potential business customers with the help of the Supervisor/Manager. Collect and validate customer documents according to organizational norms. Log cases in the system as per SOP and follow the disbursement process. Fulfill the sanction ratio as per organizational requirements. Meet customer needs and cross-sell multiple products under the guidance of the Supervisor/Manager. Empanel new vendors and develop relationships with them. Ensure compliance with all Audit/RBI regulations. Job Minimum 2 years of experience in customer service, preferably in banking or financial services. Strong knowledge of customer service principles and practices. Excellent communication and interpersonal skills. Ability to work in a fast-paced environment and meet targets. Strong analytical and problem-solving skills. Experience in direct sales and marketing is an added advantage. Educational qualificationsAny Graduate, Postgraduate. About Company TATA CAPITAL LIMITED is a leading player in the banking and financial services industry, committed to providing exceptional customer experiences and driving business growth.

We are looking for a highly skilled and experienced professional to join our team as a Manager - Retail Credit in Hyderabad. The ideal candidate will have 10-15 years of experience in the banking industry, with expertise in housing loan business. Roles and Responsibility Review and assess complex loan applications within defined guidelines. Conduct personal discussions with customers to establish creditworthiness and ensure completion of credit/KYC documents and verification. Assess income to obligation ratios and loan to value ratios, and maintain portfolio MIS, delinquency MIS, and other operations-related MIS. Build and facilitate effective relationships with third parties to achieve the best outcomes for clients. Undertake critical review of credit proposals to identify industry, business, financial, management, and facility structure risks. Ensure collateral and other credit risk mitigation are in place to support approving authority decisions on credit proposals. Enable quick turnaround time of credit lending proposals for mortgage business in close liaison with the sales team. Undertake ongoing review of credit exposures to ensure continued bankability and facilitate critical review and documentation of proposals while monitoring client & collateral creditworthiness from pre-sanction to post-disbursement, undertaking risk mitigation steps when needed and ensuring adherence to legal & documentation norms & policies. Manage the credit underwriting function of the branch and facilitate quick turnaround of credit lending proposals in close liaison with local credit analysts and sales team. Follow up and ensure recovery of quick mortality cases between 12-18 MOV. Job Graduate or Postgraduate degree with a strong academic record. Minimum 10 years of experience in the banking industry, preferably in housing loan business. Strong knowledge of credit underwriting, risk assessment, and credit risk management. Excellent communication and interpersonal skills, with the ability to build strong relationships with clients and stakeholders. Proficiency in MS Office and other relevant software applications. Certification in CA/MBA is preferable. Additional Info The company offers a dynamic work environment and opportunities for growth and development.

We are looking for a highly motivated and results-driven Customer Service Executive to join our team in Cuddalore. The ideal candidate will have 0-3 years of experience, excellent communication skills, and the ability to work in a fast-paced environment. Roles and Responsibility Ensure achievement of disbursement targets for retail loan products with minimal delinquency. Identify target areas for prospective business and pre-screen customer segments according to organizational norms. Achieve login and disbursement targets and ensure high customer satisfaction by proactively understanding customer needs and cross-selling multiple products. Execute sales promotion activities to build customer interest in the TCFSL brand and develop strong client relationships both internally and externally. Provide training to staff members and vendors to understand market trends, competition, processes, and products, and provide feedback to the central product and policy team. Ensure compliance with all Audit/RBI regulations. Job Graduate in any discipline. Excellent communication and interpersonal skills. Ability to work in a team and achieve targets. Strong problem-solving and analytical skills. Familiarity with financial services and banking industry is an added advantage. Experience in customer service or related field is preferred. Additional Info TitleCustomer Service Executive - Two Wheeler Loans - Vriddhi - Cuddalore - Valli Vilas Commercial Complex - CSE.Ref6586967.