Area Manager - Retail Credit

Tata Capital; Gilgit Division; In loco; PKR 1.200.000 - 1.800.000; Tempo pieno

Descrizione del lavoro

Tata Capital in Pakistan invites a seasoned credit underwriting professional to manage branch underwriting, ensure fast turnaround of lending proposals, and liaise with credit managers and the sales team.

The role requires conducting customer discussions for credit worthiness, ensuring completion of KYC documents, and maintaining MIS and compliance across the cluster while supervising CPA/CM teams.

Competenze

• Underwrite credit proposals following policy and SLA.
• Conduct KYC checks and telephonic/field verifications.
• Prepare MIS and reporting for the cluster.
• Coordinate with Credit Managers and Sales team.
• Ensure compliance with corporate and regulatory standards.

Mansioni

• Manage the credit underwriting function of branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit Managers and sales team.
• Audit compliance on all aspects stipulated by corporate office and regulatory compliance.
• Vendor management and empanelment in line with business needs.

Conoscenze

Credit underwriting

MIS reporting

Portfolio management

Vendor management

Team management

Compliance

Formazione

CA certification

Graduate

Masters

Descrizione del lavoro

Core Responsibilities:

• Manage the credit underwriting function of branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit Managers and sales team.
• Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits.
• Individually Underwrite proposals as per the laid down policies & procedure to honour the agreed SLAs and manage city/area business volumes.
• Review and assess loan applications within defined guidelines send by team and accordingly take decision or recommend for approval to higher authorities.
• Study , Analysis & interpretation of legal & technical reports.
• Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same.
• Manage Credit Managers & CPA team (Recruitment of CPA & managing all day to day activities of CM & CPA)
• Effectively Manage & upskill Credit Managers /CPA along with allocation of workload.
• Follow up and ensure recovery of quick mortality cases between
• -
• MOV.
• Audit Compliance on all aspects stipulated by corporate office and regulatory compliance.
• Vendor Management - Vendor Empanelment as per business requirement & vendor Review on periodic basis.

Desired Experience: Minimum to years in the field.

Graduate: Yes

Masters/Postgraduate: Yes

Certifications: CA

Various MIS as per the requirement of Corporate office.