Credit Manager - Personal Loans - Delhi - Rajendra Place - JM*

TATA Capital; India; On-site; INR 5,00,000 - 8,00,000; Full time

Job summary

A prominent financial services company in India is looking for a professional to underwrite and manage a loan portfolio. The ideal candidate should be a Post Graduate or Graduate in any discipline, with a strong background in loan application review, client relationship management, and credit risk assessment. Responsibilities include ensuring compliance with policies, managing operations, and maintaining MIS reports. Competitive compensation and opportunities for career growth are offered.

Qualifications

• Experience in reviewing and assessing complex loan applications.
• Knowledge of credit norms and KYC documentation.
• Ability to manage portfolio operations and MIS reporting.

Responsibilities

• Underwrite loan proposals based on company policies.
• Conduct creditworthiness discussions with customers.
• Maintain and report on portfolio and delinquency MIS.
• Facilitate quick turnaround of credit proposals.

Skills

Underwriting expertise

Client relationship management

Credit assessment

Service quality improvement

Education

Post Graduate/Graduate in any discipline

Job description

India

Job Description

Key Objective of the Job: To underwrite and manage the portfolio in assigned branch/location

Educational Qualification: Post Graduate/ Graduate in any discipline

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.Under write 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.

Job Info

• Job Identification 38964
• Posting Date 01/05/2026, 09:33 AM