Area Credit Manager

Tata Capital Finance Ltd; Dehradun; Presencial; INR 900.000 - 1.800.000; Jornada completa

Descripción de la vacante

Tata Capital Finance Ltd is seeking an Area Credit Manager-CEQ-Credit Appraisal for Dehradun. The role entails underwriting corporate finance, managing the portfolio in the assigned area, and leading a team of credit approvers to ensure portfolio quality.

You will support business teams, authorize deviations, and oversee disbursement approvals in line with credit policy. Ideal candidates hold MBA/PGDBA/PGPM/CA or equivalent qualifications and will drive local market credit strategies while

Formación

• Underwrite corporate finance cases and manage end-to-end credit approval.
• Ability to present credit cases to senior leadership and obtain approvals.

Responsabilidades

• Underwrite corporate finance cases and present to senior level.
• Authorize deviations raised and documented by underwriters in compliance with credit policy.
• Approve all disbursement requests after ensuring documentation is complete.
• Monitor PDD management and ensure timely personal discussion documents through customer visits in high value cases.
• Coordinate with external vendors (FI, Legal & Technical valuations) for timely query resolution.
• Lead a team of credit approvers to maintain portfolio quality and manage delinquencies.
• Develop, implement, and monitor credit programs; train and coach the team to improve processing efficiency.
• Ensure due diligence in credit analysis, customer screening, underwriting and sanctioning of loans.
• Evolve underwriting norms to suit local market needs and risk strategy.

Conocimientos

End-to-end credit underwriting

Senior level presentation

Credit policy adherence

Educación

MBA/PGDBA/PGPM/ CA or Equivalent

Descripción del empleo

Area Credit Manager-CEQ-Credit Appraisal-Dehradun-Rajpur Road-MM 10025

To underwrite corporate finance business and manage the portfolio in assigned area .

• Support and co-partner with business teams to manage end to end credit approval for the designated region
• Underwrite cases and present to senior level
• Authorize deviations raised and documented by underwriters in compliance with credit policy.
• Finalize review of credit memos, prepared by underwriters, and approval/ decline sign-offs on every file after checking for documentation requests.
• Approve all disbursement requests on the basis of achieved adherence to requirements on agreement value, full documentation attainment at the branch level.
• Monitor and oversee 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 any undue/ non-process related delays.
• Co-ordinate with the recoveries team and generate business insights.
• Lead a team of credit approvers to ensure portfolio quality and delinquencies.
• Engage in development, implementation, review and monitoring of various credit programs and providing training and coaching to continuously upgrade the competency of the team and improving upon processing efficiency of the HUB
• Ensure due diligence in credit analysis, customer application screening, evaluation, underwriting and sanctioning of loan.
• Evolve underwriting norms customized to the local market needs and ensure continued enhancement and execution of consumer credit risk strategy.

MBA/PGDBA/PGPM/ CA or Equivalent