Manager - Corporate and SME Finance

Tata Capital; Mumbai; On-site; INR 600,000 - 800,000; Full time

Job summary

Tata Capital is seeking a vigilant loan decision professional to review and decide on loan applications sourced by the sales team across India, ensuring adherence to policy and risk controls. The role emphasizes credit analysis, MIS reporting, relationship building with third parties, and fast, compliant turnaround on retail loan proposals while supporting branches to achieve targets.

Ideal candidates will have a postgraduate/graduate degree and strong underwriting skills to maintain file

Qualifications

• Postgraduate or graduate degree in any discipline.

Responsibilities

• Review and assess a broad range of loan applications within defined guidelines and facilitate decisions while ensuring policy adherence.
• Assess income to obligation and loan-to-value ratios; understand calculations and their impact on long-term loan performance.
• Maintain portfolio MIS, delinquency MIS and other MIS for the cluster and report regularly.
• Build outcomes for clients by leveraging relationships with third parties.
• Critically review credit proposals to identify industry, business, financial, management and facility structure risks.
• Ensure collateral and other credit risk mitigations to enable approvals.
• Enable quick turnaround of retail loan proposals in close liaison with sales teams.
• Support branches in achieving targets through timely decisions and maintain underwriting quality with healthy accept ratios.
• Improve productivity by training the team on policy updates and maintaining standards.
• Improve quality of inbound files at branches with guidance and support to achieve targets

Education

Postgraduate/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 inbound by the branch with regular guidance and provide support to branches in achieving business targets