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Regional Credit Manager - MFB - Gorakhpur

Regional Credit Manager - MFB - Gorakhpur

Tata Capital

11 - 15 years

7 - 11 Lacs

Mumbai

Posted:4 days ago| Platform:

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Skills Required

risk management credit underwriting team management credit management financial services risk assessment credit analysis credit risk credit approval underwriting mortgage credit policy home loans lap home finance mortgage loans finance

Work Mode

Work from Office

Job Type

Full Time

Job Description

We are looking for a highly skilled and experienced Regional Credit Manager to join our team in Gorakhpur. The ideal candidate will have 11-15 years of experience in credit management, underwriting, and risk assessment. Roles and Responsibility
Manage all activities related to the sanction life cycle of retail loan business for short and medium term products.
Support and collaborate with business teams to manage end-to-end credit approval for the designated region.
Underwrite for all customer segments for retail and high-value cases, presenting them to senior level.
Authorize deviations documented by underwriters in compliance with credit policy.
Finalize review of credit memos and sign off on approvals or declines after checking documentation requests.
Lead a team of credit approvers to ensure portfolio quality and minimize delinquencies.
Ensure timely completion of personal discussion documents through customer visits if required.
Oversee and initiate follow-ups with external vendors to resolve queries and eliminate undue delays, coordinating with the recoveries team to generate business insights.
Engage in developing, implementing, reviewing, and monitoring various credit programs, providing training and coaching to upgrade the competency of the team and improve processing efficiency.
Ensure due diligence in credit analysis, customer application screening, evaluation, underwriting, and sanctioning of loans.
Evolve underwriting norms tailored to local market needs and enhance consumer credit risk strategy.
Adhere to all norms and regulations.

Job
Post Graduate/Graduate in any discipline.
Minimum 11 years of experience in credit management, underwriting, and risk assessment.
Strong knowledge of credit underwriting, risk management, and financial services.
Excellent leadership and team management skills.
Ability to work in a fast-paced environment and meet deadlines.
Strong analytical and problem-solving skills.

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Tata Capital

Financial Services

Mumbai Maharashtra

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Regional Credit Manager - MFB - Gorakhpur