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Manager - Retail Credit - Credit

Manager - Retail Credit - Credit

Tata Capital

3 - 8 years

8 - 13 Lacs

Bengaluru

Posted:2 days ago| Platform:

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Skills Required

credit analysis credit risk credit management mis retail credit risk management business loan credit underwriting credit appraisal credit processing branch management branch operations credit policy mortgage loans home loans credit monitoring

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 Bengaluru. The ideal candidate will have 3-8 years of experience in the field. Roles and Responsibility
Review and assess complex loan applications within defined guidelines, making decisions or recommending approval to higher authorities.
Underwrite proposals according to laid down policies and procedures to meet business volumes and agreed SLAs.
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 possess in-depth knowledge of ratio calculations and their impact on loan performance over long tenures.
Maintain Portfolio MIS, Delinquency MIS, and other operations-related MIS of the cluster, regularly reporting the same.
Build and facilitate effective relationships with third parties to achieve the best outcomes for clients.
Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems.
Exceed service quality standards and strive for continuous process improvement.
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 decision-making 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
A graduate or postgraduate degree is required, with CA/MBA being preferable.
Possess strong analytical and problem-solving skills, along with excellent communication and interpersonal abilities.
Demonstrate the ability to work effectively in a fast-paced environment and meet deadlines.
Exhibit strong attention to detail and organizational skills, with the capacity to multitask and prioritize tasks.
Be familiar with housing finance, credit underwriting, and credit analysis.
Have experience in the banking/financial services/broking industry.

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Tata Capital

Financial Services

Mumbai Maharashtra

5001-10000 Employees

3754 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