Credit Manager - Micro Housing

Tata Capital; Modasa, Ahmedabad District, Anand; Híbrido; INR 1 200 000 - 2 400 000; Tempo integral

Resumo da oferta

Tata Capital in India seeks an experienced Credit Manager dedicated to Micro Housing. You will handle end-to-end credit assessment for Micro Housing & LAP, underwriting both salaried and self-employed profiles, including high-value cases, and review proposals to ensure policy compliance.

You will lead and mentor the credit team, drive process efficiency, develop risk policies aligned with local market needs, ensure documentation quality, and monitor portfolio health to support recovery and

Qualificações

• Should have experience as a credit manager in Micro Housing.
• Should have experience in team building and handling.

Responsabilidades

• 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.

Descrição da oferta de emprego

Key Requirements:

Should have experinece 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.