Credit Executive Tata Capital
Tata Capital
Office Location
Full Time
Experience: 3 - 3 years required
Pay:
Salary Information not included
Type: Full Time
Location: Jaipur
Skills: Underwriting, Collateral, Coordination, Credit Evaluation, Risk management, Compliance, disbursements, loan account verification, KYC check, income assessment
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
You will be responsible for conducting personal discussions on cases in accordance with the defined policies and procedures while maintaining a strict adherence to quality standards. It is essential to comply with agreed Service Level Agreements (SLAs) and timelines for the timely completion of assigned activities. Your skill set should include expertise in underwriting, disbursements, collateral management, and coordination with cross-functional sales and operational teams. Your primary duty will involve safeguarding company assets by thoroughly evaluating credit requests, establishing appropriate credit limits, and ensuring that all approved loans are well-documented and properly secured by the relevant collateral. Effective communication of credit decisions to stakeholders is crucial for this role. Furthermore, you will be tasked with enhancing underwriting efficiencies to improve risk management practices. This includes conducting Loan Account Verification, Cross Verification such as Member House Visits, KYC Checks, Bank Passbook and Document Verification, Income and Expense Assessment, Examination for the Influence of Middlemen, Negative Area Checks, CPC Checklist Verification, Verification of Loan Cards from other Lending Institutions, Bucket Monitoring, Death Case Verification, Branch Compliance, and Closure of ICQ Observations. Your commitment to detail-oriented assessment and adherence to regulatory and internal compliance requirements will be key to success in this role.,