Quality Executive - Retail MFB - Credit - Niali - Pubakhanda - J Grades

Tata Capital; Cuttack; On-site; INR 500,000 - 750,000; Full time

Job summary

Tata Capital is seeking a credit underwriting professional in Odisha to handle underwriting decisions, disbursement processes, and collateral coordination with sales operations. You will ensure adherence to policies and timelines, communicate decisions to stakeholders, and focus on improving underwriting efficiency while managing risk.

The role involves loan document checks, KYC, income verification, and verification of collateral to protect company assets and ensure proper documentation.

Qualifications

• Experience in credit underwriting and risk assessment.
• Knowledge of verifying loan documents and collateral.

Responsibilities

• Discuss cases per policies and maintain quality adherence.
• Adhere to SLAs and timelines in completing assigned activities.
• Underwriting, disbursements, collateral coordination with cross-function sales operation function.
• Communicate credit decisions to stakeholders.
• Improve underwriting efficiency while ensuring risk management.

Skills

Underwriting

Disbursements

Collateral evaluation

KYC checks

Job description

Job Description:

11308

• 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