Credit Manager

Tata Capital; Sangareddy; Presencial; INR 500.000 - 800.000; Jornada completa

Descripción de la vacante

Tata Capital in India seeks a Credit Analyst to verify loan applications against policy, mitigate deviations, and document outcomes. The role involves direct customer discussions and interviews to assess eligibility, ensuring files are turned around within defined timelines, and building strong relationships with clients.

You will coordinate with the sales and operations teams to collect accurate data, ensure RBI KYC guidelines are adhered to, review credit parameters, and support audit queries

Formación

• Experience in credit assessment and policy adherence
• Proficient in data collection and spreadsheet analysis
• Strong interpersonal skills for customer discussions

Responsabilidades

• Verify loan applications against policy and document deviations
• Interact with customers via interviews to assess eligibility
• Coordinate with sales and operations to gather accurate data
• Ensure KYC guidelines per RBI are followed
• Support audit queries with clear risk insights
• Travel within the city as needed

Descripción del empleo

Credit who will verify whether all the loan applications are assessed as per the credit policy and whether deviations if any, are appropriately mitigated and documented.

The candidate will be interacting with the customers, assessing them based on personal discussions & interviews, ensuring that all files are turned around within an acceptable timeline, and building a solid relationship with them.

He will also be coordinating with the sales team and operations team for collecting accurate data.

• Ensuring proper security creation process for all secured loans
• Ensuring that all KYC guidelines issued by RBI from time to time have been adhered to
• Interacting with customers, assessing the applications, and ensuring that credit parameters have been adhered to
• Relationship Management: Coordinating with the sales and relationship managers for ensuring proper documentation and rectifying any audit queries
• Analytical skills and ability to process data on computer spreadsheets
• Comfortable in assessing clients without access to audited financials
• Deep understanding of risk and its various dimensions like operational risk, credit risk, market risk, etc
• Willingness and ability to travel within the city.