Regional Credit Manager

Tata Capital Finance Ltd; Gorakhpur District; Presencial; INR 1.500.000 - 2.600.000; Jornada completa

Descripción de la vacante

Tata Capital Finance Ltd. seeks a Regional Credit Manager to oversee sanction life cycle for retail loan borrowings in Gorakhpur. You will partner with business teams to manage end-to-end credit approvals and lead a team of underwriters to ensure portfolio quality and policy adherence.

Responsibilities include underwriting, approving disbursements, coordinating with recoveries, and driving local market credit risk strategies with strong emphasis on due diligence and timely documentation.

Formación

• Graduate or postgraduate in any discipline.

Responsabilidades

• Manage sanction life cycle for all borrower accounts in retail credit.
• Support regional end-to-end credit approvals with business teams.
• Underwrite for retail and high-value cases and present to seniors.
• Authorize deviations by underwriters in line with policy.
• Review credit memos and sign off on files after docs check.
• Approve disbursements after full documentation and requirements.
• Ensure timely personal discussion documents through customer visits.
• Coordinate with external vendors to resolve queries and avoid delays.
• Co-ordinate with recoveries and generate business insights.
• Lead a team of credit approvers to maintain portfolio quality.
• Develop, implement and monitor credit programs; provide training.
• Ensure due diligence in credit analysis, screening, underwriting and sanctioning.
• Evolve underwriting norms to local market needs and risk strategy.

Educación

Post Graduate/ Graduate in any discipline

Descripción del empleo

Regional Credit Manager - MFB - Gorakhpur - Pralhad Rai Trade Centre - JM 11549

• To manage all activities pertaining to the sanction life cycle of all borrower accounts in the retail loan business for all short and medium term products
• Support and co-partner with business teams to manage end to end credit approval for the designated region
• 2. Underwrite for all customer segment for retail and high value cases and present to senior level
• 3. Authorize deviations raised and documented by underwriters in compliance with credit policy.
• 4. Finalize review of credit memos, prepared by underwriters, and approval/ decline signoffs on every file after checking for documentation requests.
• 5. Approve all disbursement requests on the basis of achieved adherence to requirements and full documentation attainment at the branch level.
• 6. Ensure timely completion of personal discussion documents through customer visits if required.
• 7. Oversee and initiate follow-ups with external vendors to ensure timely query resolution/ report submission and eliminate any undue/ non-process related delays.
• 8. Co-ordinate with the recoveries team and generate business insights.
• 9. Lead a team of credit approvers to ensure portfolio quality and delinquencies.
• 10. 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
• 11. Ensure due diligence in credit analysis, customer application screening, evaluation, underwriting and sanctioning of loan.
• 12. Evolve underwriting norms customized to the local market needs and ensure continued enhancement and execution of consumer credit risk strategy.
• 13. Adhere to all norms and regulations required.
• Post Graduate/ Graduate in any discipline