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Tata Capital
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Manager - Retail Credit - Housing

Manager - Retail Credit - Housing

Tata Capital

3 - 5 years

8 - 13 Lacs

Hyderabad

Posted:1 month ago| Platform:

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Skills Required

credit underwriting credit risk credit management retail credit housing finance business loan credit analysis credit appraisal credit processing mortgage housing loan credit policy home loans 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 Hyderabad. The ideal candidate will have 3-5 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 as per 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 calculate ratios to determine loan performance over long tenures.

Maintain Portfolio MIS, Delinquency MIS, and other operations-related MIS, regularly reporting 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 decision-making on credit proposals.

Enable quick turnaround time of credit lending proposals for mortgage and home loan businesses 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 with a strong academic record.

Minimum 3 years of experience in credit management, preferably in housing finance.

Strong knowledge of credit underwriting principles and practices.

Excellent communication and interpersonal skills.

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

Proficiency in MS Office and other relevant software applications.

CertificationsCA/MBA (Preferable).

Additional Info
The selected candidate will be required to manage a team and provide guidance and support to junior staff members.

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Tata Capital

Financial Services

Mumbai Maharashtra

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Manager - Retail Credit - Housing