Area Credit Manager - Emerging Business

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

Job summary

Tata Capital Finance Ltd. is seeking an Area Credit Manager-Emerging Business to oversee credit appraisal in Ahmedabad. The role involves underwriting, presenting to senior staff, authorizing deviations, and finalizing credit memo reviews to ensure compliant loan approvals.

You will lead a team of credit approvers, drive program development, monitor PDD and ensure timely documentation. Strong regional focus with interaction across business, legal, and technical valuations is essential.

Qualifications

• MBA/PGDBA/PGPM/CA or equivalent is required.

Responsibilities

• Support and partner with business teams to manage end-to-end credit approval for the designated region.
• Underwrite cases and present to senior levels for approval.
• Authorize deviations raised and documented by underwriters per credit policy.
• Finalize review of credit memos and approve/decline sign-offs after documentation checks.
• Approve all disbursement requests based on compliance with requirements and documents.

Skills

Credit underwriting

Credit analysis

Team leadership

Policy compliance

Risk management

Education

MBA/PGDBA/PGPM/CA or Equivalent

Job description

Area Credit Manager-Emerging Business - Credit Appraisal-Ahmedabad - Naranpura-MM 10025

• 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