Area Credit Manager - Emerging Corporate Tata Capital

About Tata Capital

Tata Capital Limited ("TCL"), the flagship financial services company of the Tata Group, is a subsidiary of Tata Sons Private Limited and is registered with the Reserve Bank of India as a Systemically Important Non-Deposit Accepting Core Investment Company ("CIC").

Tata Capital and its subsidiaries are engaged in providing/supplying a wide array of services/products in the financial services sector and operates across various areas of business: Commercial Finance, Consumer Loans, Wealth Services and distribution and marketing of Tata Cards.

Job Description

The key objective of the job is to conduct credit analysis of proposals and prepare credit notes. You will play an essential role in facilitating faster deal closures by actively participating in deal structuring and credit enhancement while maintaining a balance between business growth and portfolio quality. Regular meetings with both new and existing customers are required, in addition to monitoring the portfolio on a regular basis to identify stress in accounts and implement corrective measures promptly. Continuous monitoring of all high-value exposures in the region is crucial for this role. The major deliverables include ensuring the quality of credit underwriting, monitoring portfolio performance in terms of delinquencies, deferrals, annual reviews, renewals, etc., and portfolio monitoring. It is important to develop market intelligence by engaging in regular interactions with competitors, key business groups, CA firms, etc. Early warning signals should be raised for the exit of stress accounts, and appropriate measures should be taken for timely exit. Another significant responsibility is to ensure minimal audit queries, including RBI and statutory audits, and resolve them within the prescribed timelines.,