Credit Manager - Micro Housing

Tata Capital; Bharuch District, Surat, Vadodara; Híbrido; INR 900 000 - 1 800 000; Tempo integral

Resumo da oferta

Tata Capital in India seeks a senior credit professional to lead Micro Housing credit operations. The role emphasizes end-to-end underwriting, policy development, and team leadership to ensure strong portfolio quality and compliance.

You'll drive risk strategies, monitor delinquency trends, and coordinate with cross-functional teams to enhance process efficiency and underwriting excellence.

Qualificações

• Experience as a credit manager in Micro Housing.
• Experience in team building and leadership.

Responsabilidades

• Manage end-to-end credit assessment and approval for Micro Housing and LAP cases.
• Underwrite salaried and self-employed customer profiles, including high-value cases.
• Review and approve credit proposals, deviations, and disbursement requests per policy.
• Ensure quality documentation, compliance, and adherence to LTV norms.
• Coordinate with FI, Legal, and Technical agencies for timely report completion.
• Monitor portfolio quality, delinquency trends, and support recovery initiatives.
• Lead and mentor the credit team, driving process efficiency and underwriting excellence.
• Develop and enhance credit policies and risk strategies aligned with local market requirements.
• Conduct thorough credit analysis, customer screening, and loan sanctioning to maintain portfolio quality.

Descrição da oferta de emprego

Key Requirements

Should have experience as a credit Manager in Micro Housing.

Should have experience in Team building and handling.

Key Responsibilities

• Manage end-to-end credit assessment and approval for Micro Housing & LAP cases.
• Underwrite salaried and self-employed customer profiles, including high-value cases.
• Review and approve credit proposals, deviations, and disbursement requests as per policy guidelines.
• Ensure quality documentation, compliance, and adherence to LTV norms.
• Coordinate with FI, Legal, and Technical agencies for timely report completion.
• Monitor portfolio quality, delinquency trends, and support recovery initiatives.
• Lead and mentor the credit team, driving process efficiency and underwriting excellence.
• Develop, implement, and enhance credit policies and risk strategies aligned with local market requirements.
• Conduct thorough credit analysis, customer screening, and loan sanctioning to maintain portfolio quality.