Credit Manager - Loan Against Property - Karimnagar - CVRN Road - JM

Tata Capital; Karimnagar; On-site; INR 700,000 - 1,100,000; Full time

Job summary

Tata Capital is seeking a Credit Manager for Loan Against Property in Karimnagar. You will underwrite and manage the portfolio for the branch, conducting customer discussions to assess creditworthiness and ensuring completion of KYC documents. You will maintain MIS and support risk mitigation through robust collateral reviews.

The role requires strong credit analysis, adherence to policies, and collaboration with sales and credit teams to ensure timely approvals and quality loan portfolios.

Qualifications

• Underwrite and manage the portfolio within defined guidelines.
• Perform credit analysis and KYC verification for loan applicants.
• Maintain and report MIS for the cluster and credit portfolio.
• Coordinate with sales and credit teams to speed up approvals.

Responsibilities

• Review and assess complex loan applications and decide or escalate.
• Underwrite proposals following policies and SLAs.
• Conduct customer discussions to assess credit worthiness and collect documents.
• Ensure collateral and risk mitigation for approvals.

Skills

Credit underwriting

Portfolio management

MIS reporting

KYC verification

Credit analysis

Education

Postgraduate/Graduate in any discipline

Job description

Credit Manager - Loan Against Property - Karimnagar - CVRN Road - JM

Job Description

To underwrite and manage the portfolio in assigned branch/location

Responsibilities:

• Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities.
• Under write proposals as per the laid down policies & procedure to honor the agreed SLAs and manage city/area business volumes.
• Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits.
• Assess income to obligation ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance during the loan tenure.
• Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same.
• Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties
• Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems
• Exceed service quality standards and strive for continuous process improvement
• 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.
• Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal.
• Enable quick turnaround time of credit lending proposals for the business in close liaison with the sales team.
• Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable.
• 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
• 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.

Educational Qualification: Post Graduate/ Graduate in any discipline

Job Info

• Job Identification 55553
• Job Category LAP-Credit
• Posting Date 10/16/2026, 09:33 AM