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Tata Capital
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Manager - Retail Credit - Housing

Manager - Retail Credit - Housing

Tata Capital

2 - 5 years

8 - 13 Lacs

Mumbai

Posted:2 days ago| Platform:

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Skills Required

credit underwriting credit risk retail credit home loans housing finance business loan credit analysis credit management credit appraisal credit processing mortgage housing loan credit policy lap mortgage loans finance credit monitoring

Work Mode

Work from Office

Job Type

Full Time

Job Description

We are looking for a highly skilled and experienced Credit Manager to join our team in Vizag, Andhra Pradesh. The ideal candidate will have 2-5 years of experience in credit underwriting, preferably in housing finance. Roles and Responsibility
Review and assess complex loan applications within defined guidelines.
Underwrite proposals as per laid down policies and procedures to meet business volumes.
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 credit risk.
Maintain Portfolio MIS, Delinquency MIS, and other operations-related MIS 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.
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.
CA/MBA certification is preferable.
Strong knowledge of credit underwriting principles and practices.
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 exposures and ensuring adherence to legal & documentation norms & policies.
Familiarity with credit risk assessment tools and techniques.
Knowledge of credit scoring models and their application in credit decision-making.
Understanding of regulatory requirements related to credit underwriting and risk management.
Ability to build and maintain effective relationships with stakeholders, including sales teams, credit analysts, and external partners.
Strong attention to detail and organizational skills, with the ability to prioritize tasks and manage multiple projects simultaneously.
Proficiency in MS Office and other relevant software applications.
Ability to work collaboratively as part of a team, demonstrating a strong commitment to achieving results and delivering high-quality service.

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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 - Housing