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Tata Capital
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Area Credit Manager - Commercial Vehicle - Credit Appraisal

Area Credit Manager - Commercial Vehicle - Credit Appraisal

Tata Capital

6 - 11 years

12 - 16 Lacs

Hyderabad

Posted:2 days ago| Platform:

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Skills Required

financial analysis risk management credit underwriting corporate finance credit policy credit analysis credit risk credit management credit appraisal disbursement credit approval underwriting hub commercial vehicle lap home loans ca finance

Work Mode

Work from Office

Job Type

Full Time

Job Description

We are looking for a skilled professional with 6 to 11 years of experience to lead our credit team in the commercial vehicle sector. The ideal candidate will have a strong background in corporate finance and risk management, with excellent analytical and communication skills.

Roles and Responsibility

Support and collaborate with business teams to manage end-to-end credit approval for the designated region.

Underwrite cases and present them to senior level, authorizing 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.

Approve disbursement requests based on achieved adherence to requirements on agreement value and full documentation attainment at the branch level.

Monitor PDD management and ensure timely completion of personal discussion documents through customer visits in high-value cases.

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.

Lead a team of credit approvers to ensure portfolio quality and delinquencies.

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

Ensure due diligence in credit analysis, customer application screening, evaluation, underwriting, and sanctioning of loans.

Evolve underwriting norms customized to local market needs and enhance and execute consumer credit risk strategy.

Job

MBA/PGDBA/PGPM/CA or equivalent degree.

Minimum 6 years of experience in corporate finance, risk management, or a related field.

Strong knowledge of credit underwriting, risk management, and financial analysis.

Excellent analytical, communication, and leadership skills.

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

Strong understanding of credit policies and procedures.

Experience in leading a team of credit approvers to ensure portfolio quality and delinquencies.

Skills in development, implementation, review, and monitoring of various credit programs, along with training and coaching to continuously upgrade the competency of the team and improve processing efficiency of the HUB.

Ensure due diligence in credit analysis, customer application screening, evaluation, underwriting, and sanctioning of loans.

Evolve underwriting norms customized to local market needs and enhance and execute consumer credit risk strategy.

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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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Area Credit Manager - Commercial Vehicle - Credit Appraisal