Regional Credit Manager

Tata Capital Finance Ltd; Chennai; Presencial; INR 1.500.000 - 2.100.000; Jornada completa

Descripción de la vacante

Tata Capital Finance Ltd. invites applications for Regional Credit Manager-Emerging Business-Credit Appraisal in Chennai. You will lead the sanction life cycle across borrower accounts, drive end-to-end credit approvals, and maintain adherence to credit policy.

This role demands strong underwriting, team leadership, and collaboration with business units. Travel across branches in the region, ensure portfolio quality, training, and process improvements while ensuring regulatory compliance and

Formación

• Experience in credit underwriting and approval for corporate/ emerging business segments.
• Proven ability to lead a team of underwriters and credit approvers.
• Strong understanding of credit policy, governance, and regulatory requirements.

Responsabilidades

• Manage sanction life cycle of borrower accounts in the designated region.
• Underwrite for all customer segments and present to senior leadership.
• Authorize deviations in line with credit policy and finalize credit memos and approvals/ declines.
• Oversee disbursement approvals based on documentation and adherence to requirements.
• Coordinate with recoveries to monitor portfolio quality and delinquencies.
• Lead and develop the credit team, provide training, and drive processing efficiency.

Conocimientos

Credit underwriting

Team leadership

Regulatory compliance

Credit policy adherence

Stakeholder management

Educación

MBA/PGDBA/PGPM/ CA or Equivalent

Descripción del empleo

Regional Credit Manager-Emerging Business-Credit Appraisal-Chennai-Centennial Square-MM 11031

To manage all activities pertaining to the sanction life cycle of all borrower accounts in the

• Support and co-partner with business teams to manage end to end credit approval for the designated region
• Underwrite for all customer segments for corporate finance products and present to senior level
• Authorize deviations raised and documented by underwriters in compliance with credit policy.
• Finalize review of credit memos, prepared by underwriters, and approval/ decline sign-offs on every file after checking for documentation requests.
• Approve all disbursement requests on the basis of achieved adherence to requirements and full documentation attainment at the branch level.
• Oversee and initiating follow-ups with external vendors to ensure timely query resolution/ report submission and eliminate any undue/ non-process related delays.
• Co-ordinate with the recoveries team and generate business insights.
• Lead a team of credit approvers to ensure portfolio quality and delinquencies.
• Engage in development, implementation, review and monitoring of various credit programs and providing training and coaching to continuously upgrade the competency of the team and improving upon processing efficiency of the HUB.
• Extensively travel to oversee branches falling under his territory in order to develop business, guide the team and ensure quality portfolio in the assigned region.
• Ensure compliance to all Audit /other regulatory regulations as well as processes, policies and reports as per company designed systems

Qualification : MBA/PGDBA/PGPM/ CA or Equivalent