Credit Manager - Supply Chain - Credit Appraisal - Pune

Tata Capital; Pune District; On-site; INR 900,000 - 1,500,000; Full time

Job summary

Tata Capital in Pune seeks a proactive credit analyst to structure and assess credit facilities, build financial models, and prepare detailed credit notes with risk mitigants. The role involves interaction with sales, collections, and customers to monitor delinquencies and ensure documentation quality.

You will perform in-depth financial analysis of P&L and balance sheet movements, develop market intelligence, and drive process improvements in credit underwriting.

Qualifications

• Detailed financial appraisal covering the business model, working capital cycle, profitability.
• Develops credit notes with detailed transaction structuring and risk mitigants.
• Identifies automation opportunities in existing processes and new product development.
• Regular training on product policies & processes to Sales/Channel Partners.
• Active involvement in customer visits and post-disbursement document control.

Responsibilities

• Prepare/amend notes and financial models with information gathered from business teams and public sources.
• Prepare credit notes detailing transaction structure, risk and mitigants for facilities.
• Interact with collections/sales to track delinquencies and learn from cases.
• Meet retail and strategic customers to understand markets and industries.
• Pre-approval and rating of clients with exposure over Rs 500 L.
• Monitor post-disbursement documents (invoices, insurance, RC) with sales and customers.
• Manage portfolio quality and documentation; drive process improvements.
• Perform detailed financial analysis of P&L and balance sheet movements.
• Share market intelligence on policies and portfolio health from other banks.
• Raise early warning signals for stress accounts and ensure timely exits.
• Ensure audit query resolution within timelines.

Skills

Financial analysis

Credit underwriting

Portfolio management

Credit rating

Stakeholder liaison

Process improvement

MIS reporting

Documentation quality

Risk assessment

Market intelligence

Job description

Job Description:

Main Accountabilities

• Prepare/amend the note / financial model with correct information (gathered via business team / public domain / other resources)
• Prepare the credit note comprising of the detailed transaction structuring/ assessment with a focus on the assessment part of the sought credit facility
• Undertake regular interaction with collections / sales to track delinquencies Study delinquent cases with a view to derive learning and sharing the same with the team
• Meet customers (retail & strategic) at regular intervals to understand various industry & markets
• Pre approval and rating of all clients with exposure more than Rs 500L Regular Training sessions for Sales / Channel Partners / Filed sales staff on the various product policies & processes
• Control & Monitoring of Post Disbursement Documents –Invoice, Insurance & RC by way of interaction with sales and customers
• Managing portfolio to meet the requisite quality of documentation, post disbursal documents and delinquency levels
• Working on projects/process improvements from time To time
• Perform the financial analysis in detail attending to all major movements in P&L & Balance sheet while ascertaining /citing the precise reason of such movement
• Prepare the Credit Note comprising of structure of the transaction and view of credit, detailing risk and mitigants
• Detailed financial appraisal covering the business model, working capital cycle, profitability etc
• Development of market intelligence by engaging with the people in other banks and FIs w.r.t. their policies, focus area, portfolio health
• Identify the automation opportunities in existing processes, new product development
• Quality of Credit Underwriting
• Raise early warning signals for exit of stress accounts and take due measures for timely exit
• Ensure minimal audit queries including RBI and statutory audits and resolve the same within prescribed timelines
• Active involvement in customer visit
• Regular MIS on market intelligence

Requirements: