10 Delinquency Analysis Jobs

As a Credit Underwriting Manager, your primary responsibility will be to underwrite credit appraisal and disbursement of CV loan proposals. You will be tasked with monitoring and tracking adverse new events in the portfolio of the assigned area. Additionally, you will conduct credit appraisal and sanctioning of CV loan proposals. A key aspect of your role will be to manage a team of Credit Managers and oversee business monitoring. You will also be required to analyze and resolve delinquency issues, collaborating closely with the Sales team. Evaluating Higher Value cases and facilitating their approval process will also be part of your duties. Conducting personal discussions and monthly market visits to financiers, dealers, and other relevant stakeholders will be essential. You will be responsible for quantitative and qualitative analysis of loan requests and lines of credit. Ensuring branch delinquency/PDD levels are within acceptable benchmarks and taking corrective actions when necessary will fall under your purview. Furthermore, you will be accountable for audit and regulatory compliance within the assigned area. Your role will involve effectively assessing credit risk and evaluating client viability. Training and coordinating with your team to ensure timely and efficient processes will be crucial to your success. Key responsibilities will include maintaining the corporate credit policy in alignment with the parameters established in the Product Policy. You will also be expected to focus on effective cost management and managing a healthy portfolio.,

As a Credit Manager, your primary responsibilities will include underwriting credit appraisal and disbursement of CV loan proposals. You will be tasked with monitoring and tracking adverse new events within the assigned area's portfolio. Credit appraisal and sanctioning of CV loan proposals will be a crucial part of your role. Moreover, you will lead a team of Credit Managers, overseeing their performance and the overall business monitoring process. Your analytical skills will be put to the test as you delve into delinquency issues and collaborate closely with the Sales team. Handling higher-value cases and facilitating their approval will also be part of your duties. Personal discussions and regular market visits to financiers, dealers, and other relevant stakeholders will be necessary for a comprehensive analysis of loan requests. Keeping track of branch delinquency and taking corrective actions to maintain desired performance levels will be essential. Additionally, you will be responsible for ensuring audit and regulatory compliance within the assigned area. Assessing credit risk and evaluating client viability will require your attention to detail and sound judgment. Training and coordinating with your team to streamline processes and ensure timely execution will be vital. Maintaining the corporate credit policy in line with product guidelines, effective cost management, and nurturing a healthy portfolio will be key focus areas for you. Your role will involve a balance of strategic decision-making, risk assessment, and operational efficiency to drive success in credit management.,

Tata Capital Ltd is looking for Area Collections Manager - Retail MFB - Collections to join our dynamic team and embark on a rewarding career journey Oversee the collections team and ensure timely collection of receivables. Develop and implement collection strategies to minimize overdue accounts. Monitor aging reports and prioritize collection efforts accordingly. Communicate with customers regarding payment arrangements and resolutions. Analyze delinquent accounts and recommend appropriate actions. Prepare regular reports on collection performance and trends. Coordinate with other departments to resolve billing and payment discrepancies. Ensure compliance with company policies and regulations related to collections.

Tata Capital Ltd is looking for Area Collections Manager - Retail MFB - Collections to join our dynamic team and embark on a rewarding career journey Oversee the collections team and ensure timely collection of receivables. Develop and implement collection strategies to minimize overdue accounts. Monitor aging reports and prioritize collection efforts accordingly. Communicate with customers regarding payment arrangements and resolutions. Analyze delinquent accounts and recommend appropriate actions. Prepare regular reports on collection performance and trends. Coordinate with other departments to resolve billing and payment discrepancies. Ensure compliance with company policies and regulations related to collections.

Tata Capital Ltd is looking for Area Collections Manager - Retail MFB - Collections to join our dynamic team and embark on a rewarding career journey Oversee the collections team and ensure timely collection of receivables. Develop and implement collection strategies to minimize overdue accounts. Monitor aging reports and prioritize collection efforts accordingly. Communicate with customers regarding payment arrangements and resolutions. Analyze delinquent accounts and recommend appropriate actions. Prepare regular reports on collection performance and trends. Coordinate with other departments to resolve billing and payment discrepancies. Ensure compliance with company policies and regulations related to collections.

Tata Capital Ltd is looking for Area Collections Manager - Retail MFB - Collections to join our dynamic team and embark on a rewarding career journey Oversee the collections team and ensure timely collection of receivables. Develop and implement collection strategies to minimize overdue accounts. Monitor aging reports and prioritize collection efforts accordingly. Communicate with customers regarding payment arrangements and resolutions. Analyze delinquent accounts and recommend appropriate actions. Prepare regular reports on collection performance and trends. Coordinate with other departments to resolve billing and payment discrepancies. Ensure compliance with company policies and regulations related to collections.

Tata Capital Ltd is looking for Area Collections Manager - Retail MFB - Collections to join our dynamic team and embark on a rewarding career journey Oversee the collections team and ensure timely collection of receivables. Develop and implement collection strategies to minimize overdue accounts. Monitor aging reports and prioritize collection efforts accordingly. Communicate with customers regarding payment arrangements and resolutions. Analyze delinquent accounts and recommend appropriate actions. Prepare regular reports on collection performance and trends. Coordinate with other departments to resolve billing and payment discrepancies. Ensure compliance with company policies and regulations related to collections.

Tata Capital Ltd is looking for Area Collections Manager - Retail MFB - Collections to join our dynamic team and embark on a rewarding career journey Oversee the collections team and ensure timely collection of receivables. Develop and implement collection strategies to minimize overdue accounts. Monitor aging reports and prioritize collection efforts accordingly. Communicate with customers regarding payment arrangements and resolutions. Analyze delinquent accounts and recommend appropriate actions. Prepare regular reports on collection performance and trends. Coordinate with other departments to resolve billing and payment discrepancies. Ensure compliance with company policies and regulations related to collections.

Roles & Responsibilities: Portfolio Risk Monitoring & Control Maintain operational and credit risk controls over sanctioned and disbursed portfolios using effective monitoring tools Monitor portfolio delinquency trends across locations, customer profiles, products, and programs Analyze portfolio behavior and identify reasons for defaults at individual and segment levels Suggest modifications in policies and programs based on portfolio trends and risk analysis Portfolio Analytics & Reporting Design, develop, and maintain portfolio dashboards for delinquency, repayment, outstanding balances, disbursement, and sanction monitoring across critical parameters and demographics Benchmark competition and industry trends to improve product and policy frameworks Derive and present analytical insights to senior management to support policy and decision-making Plan and execute reporting activities using analytical methods to manage credit risk effectively Compliance & Audit Handle internal and regulatory audits related to portfolio risk and compliance Prepare and circulate audit findings and review notes to senior management Ensure credit policy adherence and perform hind-sighting analysis on policy implementation Stakeholder Coordination & Training Coordinate with internal teams to ensure data availability for portfolio monitoring and review Provide training and support to frontline teams on credit policies, programs, and guidelines Manage complaint resolution related to portfolio risk and credit programs for ground teams Business Development & Team Support Support business development and lifecycle management of Relationship Managers (RMs) Drive knowledge management and KPI achievement within the SME segment teams

As a Team Member - Credit Risk Analyst in the Risk Management department based in Mumbai, your main responsibility will be to analyze, model, validate, and document various measures of Credit Risk for Expected Credit Loss and Capital computations. You should have hands-on experience in building, implementing, monitoring, and refining models and scorecards for PD, LGD, EAD, and related Credit Risk metrics using statistical methods or expert judgment based techniques. Your role will require a deep understanding of Credit Risk models and the ability to derive insights from data, communicate effectively with Risk, Credit, and Business teams, and develop Risk Dashboards and analytical reports for Senior Management. You will also be responsible for preparing and submitting reports to regulators and senior management on a periodic and adhoc basis, computing and reporting ECL and related metrics continuously. To excel in this role, you should have 4 to 8 years of experience in Credit Risk related roles in Banks, NBFCs, Consulting Firms, or Rating Agencies. A degree in statistics, mathematics, or econometrics with hands-on experience in statistical model development and implementation would be an advantage. Proficiency in Python, SAS, or R, along with intermediate level SQL skills, is desirable. Strong experience in areas like delinquency or loan loss forecasting and expected credit loss capital computation under advanced approaches is also necessary. Moreover, having skills in automation and data consolidation for risk or financial reporting projects would be beneficial. CA or MBA with FRM certification, understanding of various credit types, proven management and supervisory skills, excellent interpersonal and communication skills, and advanced excel skills are also required for this role. Experience with Python, SQL, or SAS would be an added advantage.,