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3 Tata Capital Regional Credit Manager Jobs

Regional Credit Manager - Loan Against Property

9-18 years

Mumbai

1 vacancy

Regional Credit Manager - Loan Against Property

Tata Capital

posted 2d ago

Job Description

To manage all activities pertaining to the sanction life cycle of all borrower accounts in the retail loan business for all short and medium term products

Post Graduate/ Graduate in any discipline

.
Own the entire credit underwriting process for the assigned region, including the consistent application of a credit policy, periodic credit reviews of existing customers, early warning and delinquency management and the assessment of the creditworthiness of potential customers.


  • Conduct periodic review of all existing policies, guidelines and processes to ensure updation on lines of external environment, organization needs and regulatory framework

  • Assess customers sourced by the Sales team as per the credit policy, determine deviations and exceptions and provide decision on deals (approve / suggest modified terms / decline), assess the customers based on customer documents, FI report, Sales visit report, Bureau report (CIBIL, etc) and Tele-verification with the customer / Personal Discussion.


  • Monitor the local market on a monthly basis through interaction (personal visit/conversation over telephone) with customers, dealers, branches and other market intermediaries and provide recommendations for corrective action in sourcing, underwriting, etc

  • Arrange for Credit programs and training within companys credit framework, providing inputs to analytics team to build portfolio analytics and scoring model, ensuring that there is no compromise on the quality of credit & maintain a healthy portfolio.


  • Authorize deviations raised and documented by underwriters in compliance with credit policy.


  • Oversee and initiate follow-ups with external vendors to ensure timely query resolution/ report submission and eliminate any undue/ non-process related delays.


  • Co-ordinate with the recoveries team and generate business insights.


  • Manage end to end credit approval for the designated zone.


  • Engage in development, implementation, review and monitoring of various credit programs and providing training and coaching to continuously upgrade the competency of the team and improving upon processing efficiency of the HUB.


  • Efficiently handle the team, keep them motivated and take quick decisions while being mindful that decision delayed is decision denied.


  • Manage credit buying process which monitors turnarounds, approvals, review of samples including quality checks on process.


  • Develop cross functional collaboration to smooth business and ensure quick TAT

  • Ensure compliance to all Audit / other regulatory regulations as well as processes, policies and reports as per company designed systems


  • Employment Type: Full Time, Permanent

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    What Regional Credit Manager at Tata Capital are saying

    3.7
     Rating based on 7 Regional Credit Manager reviews

    Likes

    Salary and benifit

    • Salary - Excellent
    • +2 more
    Dislikes

    Working hours and work life balance is very poor

    • Work satisfaction - Poor
    • +1 more
    Read 7 Regional Credit Manager reviews

    Regional Credit Manager salary at Tata Capital

    reported by 59 employees with 9-20 years exp.
    Lock Unlock
    ₹15 L/yr - ₹37 L/yr
    28% more than the average Regional Credit Manager Salary in India
    View more details

    What Tata Capital employees are saying about work life

    based on 2.6k employees
    58%
    50%
    50%
    98%
    Flexible timing
    Monday to Saturday
    Within city
    Day Shift
    View more insights

    Tata Capital Benefits

    Submitted by Company
    Job Training
    Health Insurance
    Soft Skill Training
    Work From Home
    Submitted by Employees
    Health Insurance
    Job Training
    Soft Skill Training
    Work From Home
    Cafeteria
    Free Transport +6 more
    View more benefits

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    Tata Capital Mumbai Office Location

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    Mumbai, Maharashtra Office
    Headquarter
    Ganpatrao Kadam Marg, Mumbai, Maharashtra 400013, IN Mumbai, Maharashtra
    400013

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