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Tata Capital
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Zonal Manager - Retail Credit - Credit

Zonal Manager - Retail Credit - Credit

Tata Capital

8 - 13 years

10 - 15 Lacs

Bengaluru

Posted:1 month ago| Platform:

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Skills Required

risk assessment credit underwriting team management underwriting credit policy business loan credit analysis credit management credit appraisal sales retail credit approval mortgage retail credit housing loan home loans lap mortgage loans finance

Work Mode

Work from Office

Job Type

Full Time

Job Description

We are looking for a skilled professional with 8 to 13 years of experience to lead our retail credit team in Bengaluru. The ideal candidate will have a strong background in credit underwriting and management, with excellent analytical and problem-solving skills.
Roles and Responsibility

Own the entire credit underwriting process for the zone, including consistent application of credit policy and periodic reviews of existing customers.

Conduct periodic reviews of policies, guidelines, and processes to ensure alignment with external environment, organizational needs, and regulatory framework.

Assess customers sourced by the Sales team according to the credit policy, determine deviations and exceptions, and provide decisions on deals.

Monitor the local market monthly through interactions with customers, dealers, branches, and market intermediaries, providing recommendations for corrective action in sourcing and underwriting.

Arrange for credit programs and training within the company''s credit framework, and provide inputs to the analytics team for building portfolio analytics and scoring models.

Authorize deviations documented by underwriters in compliance with the credit policy.

Oversee and initiate follow-ups with external vendors (FI, Legal & Technical valuations) to ensure timely query resolution/report submission and eliminate undue delays.

Coordinate with the recoveries team and generate business insights.

Manage end-to-end credit approval for the designated zone.

Engage in developing, implementing, reviewing, and monitoring various credit programs, and provide training and coaching to upgrade the competency of the team and improve processing efficiency.

Efficiently handle the team, keep them motivated, and make quick decisions while being mindful that decision delayed is decision denied.

Manage the credit buying process, which monitors turnarounds, approvals, sample review quality checks, and develop cross-functional collaboration to smooth business and ensure quick TAT.

Ensure compliance with all Audit/NHB regulations and company-designed processes, policies, and reports.

Job

Minimum 8 years of experience in credit underwriting or a related field.

Strong knowledge of credit policy, underwriting, and risk assessment.

Excellent analytical, problem-solving, and communication skills.

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

Strong leadership and team management skills.

Experience in managing credit teams and driving business growth.

Educational qualificationsAny Graduate or Postgraduate degree.

Additional Info
The selected candidate will be required to manage a team and drive business growth.

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Tata Capital

Financial Services

Mumbai Maharashtra

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Zonal Manager - Retail Credit - Credit