Manager - Retail Credit

Tata Capital; Jagtial; On-site; INR 800,000 - 1,500,000; Full time

Job summary

Tata Capital is seeking a capable Credit Underwriter to evaluate complex loan applications, perform underwrite per policies, and ensure thorough KYC documentation. The role involves discussions with customers to confirm creditworthiness and to complete necessary verifications.

The candidate will analyze ratios, manage MIS reporting, and collaborate with sales to enable swift credit decisions while maintaining risk controls and SLA adherence.

Qualifications

• Review and assess a broad range of complex loan applications within defined guidelines.
• Perform underwrite as per policy and SLA.
• Conduct customer discussions to establish credit worthiness and ensure completion of KYC documents.

Responsibilities

• Assess income-to-obligation and loan-to-value ratios and analyze long-term impact on loan performance.
• Maintain Portfolio MIS and Delinquency MIS and report periodically.
• Build relationships with third parties to facilitate outcomes for clients.

Skills

Credit underwriting

Loan assessment

KYC documentation

Credit risk analysis

MIS reporting

Education

Graduate

Masters/Post Graduate

CA/MBA (Preferable)

Job description

Core Responsibilities:

• Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities.


• Under write proposals as per the laid down policies procedure to honour the agreed SLAs and manage city/area business volumes.


• Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field collateral visits.


• 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 reporting the same.


• Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties


• Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems


• Exceed service quality standards and strive for continuous process improvement


• 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 time of credit lending proposals for the mortgage business comprising of loan against property, and home loan business in close liaison with the sales team.


• Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable.


• 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


• 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.


• Follow up and ensure recovery of quick mortality cases between


• -


• MOV.

Qualification : Graduate, Masters/Post Graduate

Certifications : CA/MBA (Preferable)