Area Credit Manager

Tata Capital Finance Ltd; Durgapur; On-site; INR 1,400,000 - 2,200,000; Full time

Job summary

Tata Capital Finance Ltd in Durgapur is seeking an Area Credit Manager-CV-Credit Appraisal to lead underwriting and credit approvals for the designated region. You will oversee end-to-end credit processes, approve disbursements, and ensure compliance with policy while managing a team of credit approvers.

You will coordinate with FI, Legal, and Technical valuations, monitor PDDs, and drive portfolio quality through coaching and implementation of local market credit strategies.

Qualifications

• MBA/PGDBA/PGPM/CA or Equivalent.

Responsibilities

• 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.

Education

MBA/PGDBA/PGPM/CA or Equivalent

Job description

Area Credit Manager-CV-Credit Appraisal-Durgapur - City Plaza-M1-M3

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