Area Credit Manager - Mid Enterprises Business

Tata Capital; Bengaluru; On-site; INR 900,000 - 1,300,000; Full time

Job summary

Tata Capital in Bengaluru is seeking a Credit Analyst to prepare and amend credit notes and financial models using information from business teams, public sources, and other resources. You will assess credit risk for facilities, monitor delinquencies, and support collections and sales with timely insights.

The role involves pre-approval and rating of clients with exposure > Rs, regular MIS on market intelligence, and training staff on product policies.

Qualifications

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

Responsibilities

• Prepare/amend notes and financial models with correct information gathered from business teams, public domain, or other sources.
• Prepare credit notes detailing transaction structure and credit assessment for requested facilities.
• Interact with collections/sales to track delinquencies and share learnings with the team.
• Meet customers to understand market sectors and obtain relevant information.
• Pre-approval and rating of clients with exposure thresholds.
• Conduct regular training sessions for Sales, Channel Partners, and Field staff on product policies.

Skills

Financial analysis

Credit underwriting

Delinquency management

Portfolio management

MIS reporting

Education

MBA/PGDBA/PGPM/CA or Equivalent

Job description

• Prepare/amend the note / financial model with correct information (gathered via business team / public domain / other resources)
• Prepare the credit note comprising of the detailed transaction structuring/ assessment with a focus on the assessment part of the sought credit facility
• Undertake regular interaction with collections / sales to track delinquencies Study delinquent cases with a view to derive learning and sharing the same with the team
• Meet customers (retail strategic) at regular intervals to understand various industry markets
• Pre approval and rating of all clients with exposure more than Rs
• Regular Training sessions for Sales / Channel Partners / Filed sales staff on the various product policies processes
• Control Monitoring of Post Disbursement Documents -Invoice, Insurance RC by way of interaction with sales and customers
• Managing portfolio to meet the requisite quality of documentation, post disbursal documents and delinquency levels
• Working on projects/process improvements from time To time
• Perform the financial analysis in detail attending to all major movements in PL Balance sheet while ascertaining /citing the precise reason of such movement
• Prepare the Credit Note comprising of structure of the transaction and view of credit, detailing risk and mitigants
• Detailed financial appraisal covering the business model, working capital cycle, profitability etc
• Development of market intelligence by engaging with the people in other banks and FIs w.r.t. their policies, focus area, portfolio health
• Identify the automation opportunities in existing processes, new product development
• Quality of Credit Underwriting
• Raise early warning signals for exit of stress accounts and take due measures for timely exit
• Ensure minimal audit queries including RBI and statutory audits and resolve the same within prescribed timelines
• Active involvement in customer visit
• Regular MIS on market intelligence.

Qualifications

Minimum Degree: MBA/PGDBA/PGPM/ CA or Equivalent.