Credit Manager - Business Loans - Hubli - Central Building - JM

TATA Capital; Hubli; On-site; INR 700,000 - 1,000,000; Full time

Job summary

TATA Capital is seeking a Credit Manager for Business Loans in Hubli. The role involves underwriting and managing the loan portfolio, ensuring adherence to credit policies, and maintaining customer relationships.

The ideal candidate should be a Post Graduate or Graduate in any discipline with a strong background in credit evaluation and risk assessment. The position aims to enhance service quality standards while ensuring compliance with legal norms.

Qualifications

• Experience in underwriting and managing loan portfolios.
• Knowledge of credit policies and procedures.
• Understanding of KYC documentation and verification processes.

Responsibilities

• Underwrite and manage loan applications in the assigned location.
• Conduct personal discussions to assess creditworthiness.
• Ensure compliance with legal and documentation norms.

Skills

Credit evaluation

Relationship management

Risk assessment

Documentation adherence

Education

Post Graduate/Graduate in any discipline

Job description

Credit Manager - Business Loans - Hubli - Central Building - JM

Job Description

To underwrite and manage the portfolio in assigned branch/location.

1. Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities.
2. Underwrite proposals as per the laid down policies & procedure to honor the agreed SLAs and manage city/area business volumes.
3. Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits.
4. Assess income to obligation ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance during the loan tenure.
5. Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same.
6. Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties.
7. Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems.
8. Exceed service quality standards and strive for continuous process improvement.
9. Undertake critical review of the credit proposals with a view to bring out the industry, business, financial, management and facility structure risk contained in the credit proposal.
10. Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal.
11. Enable quick turnaround time of credit lending proposals for the business in close liaison with the sales team.
12. Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable.
13. Facilitate critical review and documentation of the proposals and effectively monitor the client & collateral creditworthiness from the pre-sanction to post disbursement phase & undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal & documentation norms & policies.
14. Manage the credit underwriting function of his/her branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team.

Post Graduate/ Graduate in any discipline.

Job Info

• Job Identification 47798
• Posting Date 06/11/2026, 12:00 PM
• Locations Central Building, 2nd Floor, Vidyanagar, Hubli, Hubli, Karnataka, 580030, IN