Credit Manager - Personal Loans 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 main objective of the job is to underwrite and manage the portfolio in the assigned branch/location. As an ideal candidate, you should have a Post Graduate/ Graduate degree in any discipline. Your responsibilities will include reviewing and assessing a wide range of complex loan applications, underwriting proposals based on policies and procedures, conducting personal discussions with customers to establish credit worthiness, maintaining various MIS reports, building effective relationships with third parties, ensuring service quality standards are exceeded, and striving for continuous process improvement. You will also be required to critically review credit proposals, ensure credit risk mitigation, facilitate quick turnaround time of credit lending proposals, monitor credit exposures, and manage the credit underwriting function of the branch. Additionally, you will need to monitor client and collateral creditworthiness from pre-sanction to post disbursement phase, while ensuring adherence to legal and documentation norms and policies.,