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Tata Capital
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Credit Manager - New Car Loans - Guwahati - Royal Arcade - JM

Credit Manager - New Car Loans - Guwahati - Royal Arcade - JM

Tata Capital

2 - 7 years

7 - 11 Lacs

Guwahati

Posted:3 weeks ago| Platform:

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Skills Required

credit underwriting credit analysis credit management credit appraisal sales business loan commercial vehicle loans auto loans car finance personal loans financial services car loan refinance housing loan home loans lap mortgage loans auto finance

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 Guwahati. The ideal candidate will have 2 to 7 years of experience in credit management, preferably in the banking or financial services industry.
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 calculate ratios to determine loan performance.

Maintain Portfolio MIS, Delinquency MIS, and other operations-related MIS 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 risks and ensure collateral and other credit risk mitigation are in place.

Enable quick turnaround time of credit lending proposals 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 as needed 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.

Job

Post Graduate/Graduate in any discipline.

Minimum 2 years of experience in credit management.

Strong knowledge of credit underwriting, credit analysis, and credit appraisal.

Excellent communication and interpersonal skills.

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

Strong analytical and problem-solving skills.

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Tata Capital

Financial Services

Mumbai Maharashtra

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Credit Manager - New Car Loans - Guwahati - Royal Arcade - JM