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Tata Capital

Compare

4.1

based on 2.4k Reviews

768 Tata Capital Jobs

Area Credit Manager - Equipment & Leasing

Tata Capital Ltd

4.1

based on 2.4k Reviews

3-7 years

₹ 21.5 - 20L/yr (AmbitionBox estimate)

Mumbai

1 vacancy

Area Credit Manager - Equipment & Leasing

Tata Capital

posted 4mon ago

Job Role Insights

Flexible timing

Key skills for the job

Financial Analysis Biochemistry Automation Testing Auditing CCTV Monitoring New Product Development

+ 4 more

Job Description

Prepare/amend the note / financial model with correct information (gathered via business team / public domain / other resources)

Prepare the credit note comprising of the detailed transaction structuring/ assessment with a focus on the assessment part of the sought credit facility

Undertake regular interaction with collections / sales to track delinquencies Study delinquent cases with a view to derive learning and sharing the same with the team

Meet customers (retail & strategic) at regular intervals to understand various industry & markets

Pre approval and rating of all clients with exposure more than Rs

Regular Training sessions for Sales / Channel Partners / Filed sales staff on the various product policies & processes

Control & Monitoring of Post Disbursement Documents -Invoice, Insurance & RC by way of interaction with sales and customers

Managing portfolio to meet the requisite quality of documentation, post disbursal documents and delinquency levels

Working on projects/process improvements from time To time

Critically evaluate the transaction risk, business & Financial risk of the borrower as well as industry risk involved in any given industry

Identify relevant and associated risk as aforementioned and to submit appropriate mitigate against each

Perform the financial analysis in detail attending to all major movements in P&L & Balance sheet while ascertaining /citing the precise reason of such movement

Prepare the Credit Note comprising of structure of the transaction and view of credit, detailing risk and mitigants

Detailed financial appraisal covering the business model, working capital cycle, profitability etc

Development of market intelligence by engaging with the people in other banks and FIs w.
r.
t.
their policies, focus area, portfolio health

Identify the automation opportunities in existing processes, new product development

Quality of Credit Underwriting

Raise early warning signals for exit of stress accounts and take due measures for timely exit

Ensure minimal audit queries including RBI and statutory audits and resolve the same within prescribed timelines

Through market knowledge of CE /CV market practices

Active involvement in customer visit

Regular MIS on market intelligence.

Qualifications -

Minimum Degree: MBA/PGDBA/PGPM/ CA or Equivalent.

Employment Type: Full Time, Permanent

Functional Areas: Banking/Insurance

Read full job description

Tata Capital Interview Questions & Tips

Prepare for Tata Capital Area Credit Manager roles with real interview advice

People are getting interviews at Tata Capital through

(based on 93 Tata Capital interviews)

Job Portal

Referral

Walkin

Company Website

Campus Placement

26%

24%

14%

10%

17% candidates got the interview through other sources.

High Confidence

What people at Tata Capital are saying

3.8

Rating based on 18 Area Credit Manager reviews

Anonymous · Finance in Mumbai

Likes

Work life balance

Dislikes

Internal politics

Read 18 reviews

Area Credit Manager salary at Tata Capital

reported by 159 employees with 2-14 years exp.

₹8 L/yr - ₹30 L/yr

62% more than the average Area Credit Manager Salary in India

View more details

What Tata Capital employees are saying about work life

based on 2.4k employees

58%

50%

51%

98%

Flexible timing

Monday to Saturday

Within city

Day Shift

View more insights

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Tata Capital Mumbai Office Location

View all

Mumbai (1)

Mumbai, Maharashtra Office

Headquarter

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