Area Credit Manager

Tata Capital Finance Ltd; Lucknow; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Tata Capital Finance Ltd. invites applications for an Area Credit Manager – Emerging Corporate – Credit Appraisal at Lucknow. This role focuses on underwriting corporate finance, managing the regional portfolio, and leading a team of credit approvers to ensure quality and timely decisions.

You will partner with business teams, coordinate with external vendors, and drive underwriting norms tailored to local market needs, with emphasis on training and process efficiency. Location: Lucknow.

Qualifications

• Underwrite corporate finance cases and present to senior management.
• Authorize deviations documented by underwriters per policy.
• Finalize review of credit memos and approve/ decline sign-offs.

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.

Skills

Credit underwriting

Team leadership

Policy compliance

Vendor coordination

Credit risk analysis

Education

MBA/PGDBA/PGPM/ CA or Equivalent

Job description

Area Credit Manager – Emerging Corporate – Credit Appraisal – Lucknow – Halwasiya Complex – 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