Lead - Credit Monitoring - Delhi - Videocon Tower - MM 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

As the Credit Portfolio Oversight specialist, you will be entrusted with the crucial task of continuously monitoring and managing the diverse credit portfolio of Cleantech Division. Your primary responsibility will be to implement a systematic approach to assess the health and performance of individual exposures within the portfolio. This involves conducting in-depth analyses of business performance, meticulously comparing actual outcomes with initial projections. Your role will also require you to engage with business and client teams, address discrepancies, formulate corrective action plans, and enhance overall performance through collaboration and strategic insights. Establishing and maintaining robust channels of communication with clients and strategic partners will be essential to your success in this role. You will serve as a bridge between the credit team and client teams, ensuring the seamless flow of information, prompt issue resolution, and fostering collaboration among stakeholders. Your duties will also include generating regular and comprehensive reports that offer detailed insights into portfolio performance, risk profiles, and emerging trends. By providing data-driven insights to senior management, you will enable informed decision-making based on thorough analysis. Upholding rigorous standards of record management will be critical to supporting transparency, accountability, and audit readiness. Collaboration with internal functions such as Risk, Legal, and Operations is vital to holistically addressing portfolio-related challenges and opportunities. By fostering synergy among different departments, you will maximize the effectiveness of credit monitoring efforts and contribute to the development and implementation of industry-leading best practices within the organization. In terms of risk management, you will be expected to proactively identify, evaluate, and categorize risks associated with the credit portfolio across financial, operational, and market-related dimensions. Working closely with the credit team, you will devise and implement comprehensive risk mitigation strategies tailored to specific industries while ensuring strict adherence to the Credit Monitoring Policy and associated procedures. To excel in this role, you should possess a minimum of a CA/MBA degree and have 8-10 years of relevant experience. Your proactive approach to refining and evolving monitoring procedures to adapt to changing industry dynamics will be instrumental in driving the success of the credit portfolio oversight function.,