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Manager - Retail Credit - Credit

Manager - Retail Credit - Credit

Tata Capital

10 - 15 years

8 - 13 Lacs

Mumbai

Posted:3 days ago| Platform:

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Skills Required

risk management relationship building customer relationship credit underwriting underwriting business loan credit risk credit analysis credit management credit appraisal mortgage retail credit credit policy lap home loans mortgage loans

Work Mode

Work from Office

Job Type

Full Time

Job Description

We are looking for a highly skilled and experienced professional with 10 to 15 years of experience to join our team as a Manager - Retail Credit in Lucknow. The ideal candidate will have a strong background in credit underwriting, risk management, and customer relationship building.
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 facilitate 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.

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 with a minimum of 10 years of experience in credit underwriting or a related field.

Strong knowledge of credit underwriting principles, risk management, and customer relationship building.

Excellent communication and interpersonal skills.

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

Strong analytical and problem-solving skills.

Proficiency in MS Office and other relevant software.

CertificationsCA/MBA (Preferable).

Additional Info
The company offers a dynamic and supportive work environment, with opportunities for growth and development.

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Tata Capital

Financial Services

Mumbai Maharashtra

5001-10000 Employees

3763 Jobs

Key People

Rajesh Sethi

Managing Director & CEO
Supratim Bandyopadhyay

Chief Financial Officer
Ravi K. S. R.

Chief Technology Officer

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Manager - Retail Credit - Credit