Credit Manager - Personal Loans - Kolkata - Srijan Tech Park - JM*

Tata Capital; Bidhannagar; On-site; INR 600,000 - 1,200,000; Full time

Job summary

Tata Capital is hiring for an underwriting role in India. The candidate will review loan applications, underwrite proposals, and ensure KYC and collateral were completed, while maintaining MIS for the cluster and ensuring timely decisions.

The position emphasizes policy adherence, faultless documentation, and collaboration with sales teams to meet SLAs and deliver strong client outcomes.

Qualifications

• Educational Qualification: Post Graduate/ Graduate in any discipline.

Responsibilities

• Review complex loan applications and decide or refer for approval per guidelines.
• Underwrite proposals per policies to honor SLAs and manage city/area volumes.
• Engage with customers to verify creditworthiness and complete KYC documents (telephonic, field, collateral).
• Assess income to obligation ratios and understand impact on loan performance over tenure.
• Maintain and report Portfolio MIS, Delinquency MIS and other related MIS for the cluster.
• Build relationships with third parties to facilitate client outcomes.
• Address client queries and leverage experience to resolve issues.
• Strive to exceed service quality standards and pursue process improvements.
• Perform critical review of credit proposals highlighting risks in industry, financials, and structure.
• Ensure collateral and risk mitigations to aid approving authorities.
• Enable quick turnaround of credit proposals in liaison with sales team.
• Monitor ongoing credit exposures to ensure bankability.
• Oversee documentation and pre-sanction to post-disbursement risk mitigation steps.
• Manage the credit underwriting function of the branch in coordination with credit analysts and sales.

Education

Post Graduate/ Graduate in any discipline

Job description

Job Description:

10341

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

Educational Qualification: Post Graduate/ Graduate in any discipline

Major Deliverables:

• 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.

Requirements: