Manager - Retail Credit - Credit - Housing - EM - Surat - Eco Futurz (TCHFL) - JM

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What you'll do

• o Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities.
• o Under write proposals as per the laid down policies & procedure to honour the agreed SLAs and manage city/area business volumes.
• o Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits.
• o Assess income to obligation ratios, loan to value ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance over long tenures.
• o Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same.
• o Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties
• o Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems
• o Exceed service quality standards and strive for continuous process improvement
• o Undertake critical review of the credit proposals with a view to bring out the industry, business, financial, management and facility structure risk contained in the credit proposal.
• o Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal.

Who can apply

• Certifications: CA/MBA (Preferable)

About Tata Capital

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