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Manager - Retail Credit - Credit

Manager - Retail Credit - Credit

Tata Capital

2 - 7 years

8 - 13 Lacs

Gobichettipalayam

Posted:4 days ago| Platform:

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Skills Required

risk management risk assessment relationship building credit underwriting credit risk management customer relationship credit analysis credit risk credit management credit appraisal credit processing mis retail credit credit policy mortgage loans

Work Mode

Work from Office

Job Type

Full Time

Job Description

We are looking for a highly skilled and experienced professional with 2 to 7 years of experience to join our team as a Manager - Retail Credit in Gobichettipalayam. 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 optimal 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 support 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 maintain bankability standards.
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 preference for CA/MBA certification.
Minimum 2 years of experience in credit underwriting, risk management, or a related field.
Possess strong knowledge of credit underwriting principles, risk assessment, and credit risk management.
Demonstrate excellent communication and interpersonal skills to build strong relationships with customers and stakeholders.
Ability to work in a fast-paced environment and meet deadlines is essential.
Strong analytical and problem-solving skills are needed to assess complex credit data and make informed decisions.

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Tata Capital

Financial Services

Mumbai Maharashtra

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Manager - Retail Credit - Credit