Area Credit Manager

Tata Capital Finance Ltd; Hyderabad; On-site; INR 900,000 - 1,500,000; Full time

Job summary

Tata Capital Finance Ltd in Bengaluru is seeking an Area Credit Manager to lead CEQ Credit Appraisal for the region. You will underwrite corporate finance cases, manage the portfolio, and partner with business teams to secure timely credit approvals.

You will oversee a team of credit approvers, ensure adherence to policy, and drive improvements in processing efficiency while evaluating risk and ensuring due diligence.

Qualifications

• Underwrite corporate finance cases and manage region portfolio with diligence.
• Review credit memos and authorize deviations per policy and guidelines.
• Lead credit approvers to maintain portfolio quality and manage delinquencies.
• Partner with business teams to secure end-to-end credit approvals.
• Coordinate with external vendors for value-added valuations and reports.

Responsibilities

• 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 and approval/decline sign-offs on every file after documentation checks.
• Approve all disbursement requests based on requirements adherence and full documentation.
• Monitor and oversee PDD management and ensure timely completion of discussions through client visits.
• Oversee follow-ups with external vendors to ensure timely query resolution and report submission.
• Coordinate with the recoveries team and generate business insights.
• Lead a team of credit approvers to ensure portfolio quality and delinquencies.
• Drive development and monitoring of credit programs and training to upgrade team competency.
• Ensure due diligence in credit analysis, screening, evaluation, underwriting and sanctioning of loans.
• Evolve underwriting norms customized to local market needs and risk strategy.

Skills

Credit underwriting

Team leadership

Credit policy compliance

Stakeholder coordination

Credit risk

Education

MBA/PGDBA/PGPM/CA or Equivalent

Job description

Area Credit Manager-CEQ-Credit Appraisal-Bengaluru - Prestige Corniche-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