High Value Underwriter - Loan Against Property Tata Capital

10.0 - 14.0 years

0 Lacs

hyderabad, telangana

On-site

As a Credit Lead at the CFAB organization, your primary responsibility will be to monitor all CFAB product digital journeys from the credit side, ensuring thorough testing and tracing out further scope for improvement. Additionally, you will actively engage with stakeholders from various departments such as Product, Sales, Credit, Digital, Data Science, IT, Operations, Collections, and relevant fintech/IT vendors. Your role will involve enabling a best-in-class end-to-end digital customer experience that leads to business growth. You will be tasked with tracing out opportunities that are not in line with policy rules from the customer segments and discussing data-backed analysis with the Credit and Risk teams. Your inputs will be crucial in proposing relevant changes in rules and journey processes. Furthermore, you will be responsible for suggesting process and journey changes, drafting process notes, and Business Requirement Documents (BRDs). Collaborating with relevant stakeholders and fintech/IT vendors, you will facilitate the development or modification of digital journeys. As the Credit Lead for BRE migration, you will test BRE rules for new policies in coordination with other stakeholders. Ensuring standardization of digital underwriting rules for assisted digital and online digital journeys will be a key aspect of your role. You will also play a vital part in MIS automation by liaising with Data Science, Digital, and IT teams. Your role will involve enabling enhanced cross-sell and upsell opportunities within the lending business. Working closely with the Data Science and Risk teams, you will contribute to the development and review of credit decisioning scorecards. Additionally, you will serve as the Single Point of Contact (SPOC) for digital projects undertaken by the CFAB Credit Team. Other responsibilities include evaluating and implementing cost-effective processing tools, driving efficiency with the Data Science team through Machine Learning Models, and conducting reviews and presentations for senior management and relevant forums. Your focus will be on decisioning high-value cases for business loans and loans against property across the country. You will underwrite for all customer segments for retail high-value loan products and present to senior management for decisioning. Authorization of deviations raised by underwriters in compliance with credit policy, finalizing credit memos, and managing end-to-end credit approvals for high-value cases from Pan-India are also part of your responsibilities. The ideal candidate for this role should hold a Chartered Accountant qualification with at least 10 years of work experience in LAP and Business Loans underwriting. An MBA, PGDBA, PGPM, or equivalent degree will be considered beneficial for this position.,

Posted 2 days ago

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