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Credit Manager - Car Finance - Used Car
Tata Capital
posted 8mon ago
Job Role Insights
Flexible timing
Key skills for the job
Job Description
1. Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities.
2. Under write proposals as per the laid down policies & procedure to honor the agreed SLAs and manage city/area business volumes.
3. Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits.
4. Assess income to obligation ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance during the loan tenure.
5. Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same.
6. Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties
7. Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems
8. Exceed service quality standards and strive for continuous process improvement
9. 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.
10. Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal.
11. Enable quick turnaround time of credit lending proposals for the business in close liaison with the sales team.
12. Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable.
13. Facilitate critical review and documentation of the proposals and effectively monitor the client & collateral creditworthiness from the pre-sanction to post disbursement phase & undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal & documentation norms & policies
14. Manage the credit underwriting function of his/her branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team.
Educational Qualification: Post Graduate/ Graduate in any discipline
Employment Type: Full Time, Permanent
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People are getting interviews at Tata Capital through
People are getting interviews through
(based on 93 Tata Capital interviews)
Job Portal
Referral
Walkin
Company Website
Campus Placement
26%
24%
14%
10%
9%
17% candidates got the interview through other sources.
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What people at Tata Capital are saying
Rating based on 74 Credit Manager
reviews
Anonymous · Filed work in finance
in New Delhi
Likes
I feel secure in this company, both my job and future.
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Read 74 reviewsCredit Manager salary at Tata Capital
reported by
431
employees
₹3.6
L/yr - ₹12.7
L/yr
At
par with the average Credit Manager Salary in India
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What Tata Capital employees are saying about work life
based on 2.4k employees
Flexible timing
Monday to Saturday
Within city
Day Shift
Tata Capital Benefits
Submitted by Company
Job Training Health Insurance Soft Skill Training Work From Home
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