Retail Credit Manager - Micro Housing

Tata Capital Finance Ltd; Bhopal; On-site; INR 900,000 - 1,300,000; Full time

Job summary

Tata Capital Finance Ltd in Bhopal is seeking a Manager - Retail Credit to underwrite mortgage business and manage the portfolio for the branch. You will review loan applications, ensure KYC/compliance, and monitor risk across the credit lifecycle.

The role requires strong analytical ability, stakeholder management, and a focus on fast turnaround while maintaining risk controls. Based in Bhopal at Alankar Complex, JM.

Qualifications

• Graduate or postgraduate degree. CA or MBA preferable.

Responsibilities

• Review and assess a broad range of complex loan applications within defined guidelines and decide or recommend approvals.
• Underwrite proposals as per policies to meet SLAs and manage city/area volumes.
• Discuss with customers to establish credit worthiness and ensure completion of KYC documents.
• Assess income to obligation ratios and loan-to-value ratios and their long-term impact on loan performance.
• Maintain Portfolio MIS and Delinquency MIS and report regularly.
• Build relationships with third parties to facilitate outcomes for clients.
• Address client queries using industry knowledge to overcome challenges.
• Exceed service quality standards and push for process improvements.
• Review credit proposals for industry, business, financial, management and facility structure risk.
• Ensure collateral and other credit risk mitigation to aid approvals.
• Enable quick turnaround for mortgage lending proposals with the sales team.
• Review credit exposures to ensure bankability.
• Review documentation of proposals and monitor creditworthiness from pre-sanction to post-disbursement.
• Manage the credit underwriting function of the branch with analysts and sales.
• Follow up on recovery of mortality cases between 12-18 MOV.

Education

CA/MBA preferable

Job description

Manager - Retail Credit - Micro Housing - Credit - Bhopal - Alankar Complex - JM · To underwrite mortgage business and manage the portfolio in assigned branch/location

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 12 -18 MOV.

Qualification

Graduate, Masters/Post Graduate Certifications : CA/MBA (Preferable)