Credit Manager - Loan Against Property 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

You will be responsible for underwriting and managing the portfolio in the assigned branch/location. This includes reviewing and assessing a broad range of complex loan applications within defined guidelines, making decisions or recommendations for approval to higher authorities, and underwriting proposals in accordance with laid down policies and procedures to meet agreed SLAs and manage city/area business volumes. Your duties will also involve conducting personal discussions with customers to establish creditworthiness, ensuring completion of credit/KYC documents and verification through telephonic, field, and collateral visits. You will need to assess income to obligation ratios, have in-depth knowledge of the rationale behind the calculation of ratios, and understand their impact on loan performance during the loan tenure. Maintaining Portfolio MIS, Delinquency MIS, and other operations-related MIS of the cluster, and providing regular reports, will be crucial aspects of your role. You will be expected to build and leverage effective relationships with third parties to facilitate the best outcomes for clients, take ownership of client queries, and use industry knowledge and experience to overcome challenges and solve problems. Additionally, you will need to exceed service quality standards, strive for continuous process improvement, and undertake critical reviews of credit proposals to identify risks. Ensuring collateral and other credit risk mitigation, facilitating quick turnaround time of credit lending proposals, and managing the credit underwriting function of the branch will all be part of your responsibilities. Your educational qualification should be a Post Graduate/Graduate in any discipline.,