The cleaned title from the string is Area Credit Manager

5 - 9 years

0 Lacs

Posted:1 week ago| Platform: Shine logo

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Work Mode

On-site

Job Type

Full Time

Job Description

You will be responsible for underwriting corporate finance business and managing the portfolio in the assigned area. Your key duties will include: - Supporting and co-partnering with business teams to manage end-to-end credit approval for the designated region. - Underwriting cases and presenting them to the senior level for approval. - Authorizing deviations raised and documented by underwriters in compliance with credit policy. - Finalizing the review of credit memos prepared by underwriters, and providing approval/decline sign-offs on every file after checking for documentation requests. - Approving all disbursement requests based on achieved adherence to requirements on agreement value and full documentation attainment at the branch level. - Monitoring and overseeing PDD management to ensure timely completion of personal discussion documents through customer visits in high-value cases. - Overseeing and initiating follow-ups with external vendors (FI, Legal & Technical valuations) to ensure timely query resolution/report submission and eliminate any undue/non-process related delays. - Coordinating with the recoveries team and generating business insights. - Leading a team of credit approvers to ensure portfolio quality and minimize delinquencies. - Engaging in the development, implementation, review, and monitoring of various credit programs, providing training and coaching to continuously upgrade the team's competency, and improving processing efficiency. - Ensuring due diligence in credit analysis, customer application screening, evaluation, underwriting, and loan sanctioning. - Evolving underwriting norms customized to the local market needs and ensuring the continuous enhancement and execution of consumer credit risk strategy. Candidates with an MBA/PGDBA/PGPM/CA or equivalent degree are preferred for this role.,

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Tata Capital logo
Tata Capital

Financial Services

Mumbai Maharashtra

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