Quality Executive - Retail MFB - Credit - Guntur - Gurazala - J Grades

Tata Capital; Gurazala; On-site; INR 350,000 - 520,000; Full time

Job summary

Tata Capital is seeking a credit underwriting professional to handle case discussions per policy and ensure quality and SLA adherence. The role covers underwriting, disbursement, collateral assessment, and cross-functional coordination with sales and operations.

You will verify loan accounts, perform KYC and document checks, assess income and expenses, and communicate credit decisions to stakeholders while strengthening risk controls and asset protection.

Qualifications

• Experience in evaluating loan collateral and structuring credit.
• Ability to assess credit risk and communicate decisions to stakeholders.
• Familiarity with SLAs and quality standards in lending processes.

Responsibilities

• Personal discussion of cases per policies and procedures and maintain quality.
• Adhere to agreed SLAs and timelines in completing activities.
• Underwriting, disbursements, collateral, coordination with cross-functional sales/operations.

Skills

Underwriting

Disbursements

Collateral

Cross-functional coordination

Sales operations coordination

Job description

Job Description

• Responsible for personal discussion of cases as per the laid down policies & procedures and maintain strict adherence to quality.
• Adhere to agreed SLAs and timelines in completing the activities assigned.
• A skill set of underwriting, disbursements, collateral, coordination with cross function sales operation function
• Responsible for protecting company assets through proper evaluation of all credit requests, establishing credit limits and ensuring that all loans granted are adequately documented and secured by the appropriate collateral
• Ensure proper communication of credit decisions to Stakeholders.
• Responsible for improving underwriting efficiencies while ensuring adequate risk management

Responsible for Loan Account Verification, Cross Verification (Member House Visit), KYC Check, Bank Passbook and other Document Check, Income and Expense Assessment, Check on Influence of Middleman, Negative Area Check, CPC Checklist Verification, Loan Card Check of other Lending Institutions, Bucket Monitoring, Death Case Verification, Branch Compliances and ICQ Observation Closure