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Credit Manager - Commercial Vehicle - Credit Appraisal

Credit Manager - Commercial Vehicle - Credit Appraisal

Tata Capital

2 - 7 years

13 - 17 Lacs

Mumbai

Posted:6 days ago| Platform:

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Skills Required

risk assessment ce credit underwriting credit management credit appraisal financial analysis accounts receivable tds accounts payable gst accounting sales credit notes underwriting mis bank reconciliation commercial vehicle invoicing ca

Work Mode

Work from Office

Job Type

Full Time

Job Description

We are looking for a highly skilled and experienced Credit Manager to join our team in Delhi. The ideal candidate will have 2 to 7 years of experience in the banking industry, with expertise in credit appraisal and risk assessment. Roles and Responsibility
Prepare and amend notes and financial models with correct information.
Develop and maintain credit notes, detailing transaction structuring and assessment.
Regularly interact with collections and sales teams to track delinquencies and study delinquent cases.
Meet with customers to understand industry and market trends.
Approve and rate clients with exposure over Rs 500L.
Conduct regular training sessions for sales, channel partners, and field staff on product policies and processes.
Control and monitor post-disbursement documents, invoices, insurance, and RC through interactions with sales and customers.
Manage portfolio quality, including documentation, post-disbursement documents, and delinquency levels.
Work on projects and process improvements.
Critically evaluate transaction, business, financial, and industry risks involved in any given industry and identify relevant and associated risks, submitting appropriate mitigation strategies.
Perform detailed financial analysis, attending to major movements in P&L and Balance sheet, and prepare credit notes detailing transaction structure and credit view, highlighting risks and mitigants.
Develop market intelligence by engaging with people in other banks and FIs regarding their policies, focus areas, and portfolio health.
Identify automation opportunities in existing processes and new product development.
Ensure minimal audit queries, including RBI and statutory audits, and resolve them within prescribed timelines.
Maintain thorough knowledge of CE/CV market practices and actively participate in customer visits.
Provide regular MIS on market intelligence.

Job
Minimum 2 years of experience in credit appraisal or a related field.
Strong understanding of credit underwriting principles and practices.
Excellent analytical and problem-solving skills.
Ability to work effectively in a team environment.
Strong communication and interpersonal skills.
A minimum degree of MBA/PGDBA/PGPM/CA or equivalent is required.

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Tata Capital

Financial Services

Mumbai Maharashtra

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Credit Manager - Commercial Vehicle - Credit Appraisal