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Manager - Retail Credit - Credit

Manager - Retail Credit - Credit

Tata Capital

2 - 7 years

8 - 13 Lacs

Mumbai

Posted:4 days ago| Platform:

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Skills Required

financial analysis risk management credit underwriting credit risk management retail credit credit analysis credit risk credit management credit appraisal credit processing underwriting credit policy mortgage loans home loans credit risk analysis

Work Mode

Work from Office

Job Type

Full Time

Job Description

We are looking for a highly skilled and experienced professional to join our team as a Manager - Retail Credit in the housing sector. The ideal candidate will have 2-7 years of experience in credit underwriting, risk management, or a related field. 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 predict 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 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 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 in any discipline; CA/MBA is preferable.
Strong knowledge of credit underwriting, risk management, and financial analysis.
Excellent communication and interpersonal skills.
Ability to work in a fast-paced environment and meet deadlines.
Strong analytical and problem-solving skills.
Experience in managing credit portfolios and conducting credit risk assessments.
Familiarity with credit scoring models and credit risk management techniques.
Understanding of regulatory requirements and industry standards related to credit lending.

For more information, please contact us at 6587861.

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Tata Capital

Financial Services

Mumbai Maharashtra

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Manager - Retail Credit - Credit