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747 Tata Capital Jobs

Area Credit Manager - Supply Chain

2-6 years

Indore

1 vacancy

Area Credit Manager - Supply Chain

Tata Capital

posted 5mon 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

  • 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

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