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868 Tata Capital Jobs

Area Credit Manager-Large Corporate

2-15 years

Mumbai

1 vacancy

Area Credit Manager-Large Corporate

Tata Capital

posted 3mon ago

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

  • 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

  • Active involvement in customer visit

  • Regular MIS on market intelligence.

    Qualifications -

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


  • Employment Type: Full Time, Permanent

    Read full job description

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    What people at Tata Capital are saying

    3.6
     Rating based on 21 Area Credit Manager reviews

    Likes

    Work life balance

    • Salary - Good
    • +6 more
    Dislikes

    Internal politics

    Read 21 Area Credit Manager reviews

    Area Credit Manager salary at Tata Capital

    reported by 137 employees with 2-14 years exp.
    ₹8 L/yr - ₹27.5 L/yr
    43% more than the average Area Credit Manager Salary in India
    View more details

    What Tata Capital employees are saying about work life

    based on 2.6k 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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