Manager - Central Operations

Tata Capital; Thane; On-site; INR 1,000,000 - 1,800,000; Full time

Job summary

Tata Capital in Thane, Maharashtra, seeks an experienced credit underwriting professional to review loan applications across India, ensuring policy adherence and timely decisions.

You will evaluate income-to-obligation and loan-to-value ratios, manage portfolio MIS and delinquency MIS, and collaborate with branches and third parties to optimize risk and customer outcomes. Post graduate/graduate candidates are welcome.

Qualifications

• Review and assess a broad range of loan applications within defined guidelines.
• Assess income-to-obligation and loan-to-value ratios and their long-term impact on loan performance.
• Maintain portfolio MIS and delinquency MIS and report regularly.
• Build relationships with third parties to optimize client outcomes.
• Undertake critical review of credit proposals highlighting risk in industry, business, finance and facility structure.

Responsibilities

• Review and assess loan applications within guidelines to facilitate decisions.
• Assess income-to-obligation and loan-to-value ratios; explain their impact on risk.
• Maintain and report portfolio MIS and delinquency MIS for the cluster.
• Build effective relationships with branches and third parties to support targets.
• Provide risk-focused reviews of credit proposals to ensure sound decisions.
• Ensure collateral and risk mitigations to aid decision making.

Skills

Credit appraisal

Underwriting

MIS reporting

Relationship management

Policy knowledge

Education

Post Graduate/ Graduate in any discipline

Job description

Ensure efficient and fastidious decisions on loan applications sourced by sales team across India

Post Graduate/ Graduate in any discipline

• Review and assess a broad range of loan applications within defined guidelines and accordingly facilitate decision while ensuring adherence to the prescribed policy
• Assess income to obligation ratios, loan to value ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance over long tenures.
• Maintain portfolio MIS, delinquency MIS and other operations related MIS of the cluster and regularly report the same.
• Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties
• 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.
• Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal.
• Enable quick turnaround of credit lending proposals for the retail loan product in close liaison with the sales team
• Provide support to branches in achieving business targets through timely decisions and ensure the quality of underwriting is maintained with healthy accept ratio.
• Optimize the productivity of the team and ensure it is maintained as per the standards set, providing regular trainings to the team on the updates of the policy changes.
• Ensure the improvement in quality of files inward by the branch with regular guidance and provide support to branches in achieving business targets

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