Credit Manager - Financial Inclusion Tata Capital
Tata Capital
Office Location
Full Time
Experience: 3 - 3 years required
Pay:
Salary Information not included
Type: Full Time
Location: All India
Skills: Underwriting, Portfolio Management, MIS reporting, relationship building, Documentation, Risk management, Credit Underwriting, Recovery Management, Loan applications, Credit Worthiness Assessment, KYC documents verification, Credit risk mitigation, Loan Against Property, Home Loan business
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
As a Mortgage Underwriter at our organization, you will be responsible for managing the mortgage business portfolio in the assigned branch/location. Your primary duties will include reviewing and assessing a wide range of complex loan applications, conducting personal discussions with customers to determine creditworthiness, and ensuring compliance with credit/KYC documentation requirements. Additionally, you will be expected to maintain various MIS reports related to portfolio, delinquency, and operations, and collaborate with third parties to achieve optimal outcomes for clients. Your role will also involve critically reviewing credit proposals to identify risks and recommend appropriate risk mitigation strategies. You will work closely with the sales team to facilitate quick turnaround times for credit lending proposals, ensuring adherence to legal and documentation norms. Furthermore, you will be responsible for managing the credit underwriting function of the branch, monitoring credit exposures, and overseeing the recovery process for delinquent cases. To excel in this position, you should possess a graduate or post-graduate degree, with certifications such as CA or MBA being preferable. We are looking for a detail-oriented professional with in-depth knowledge of underwriting policies and procedures, strong analytical skills, and the ability to communicate effectively with clients and internal stakeholders. If you are a proactive individual with a passion for mortgage underwriting and a commitment to delivering high-quality service, we encourage you to apply for this challenging and rewarding opportunity.,