AmbitionBox
Search
Jobs
- Reviews
- Salaries
- Interview Questions
- About Company
- Benefits
- Jobs
- Office Photos
- Community
Add office photos
All Filters
924 Tata Capital Jobs
Manager - Retail Credit - Credit - Housing
Tata Capital
posted 11hr ago
Job Role Insights
Flexible timing
Key skills for the job
Job Description
To underwrite mortgage business and manage the portfolio in assigned branch/location
Core Responsibilities:
o Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities.
o Under write proposals as per the laid down policies & procedure to honour the agreed SLAs and manage city/area business volumes.
o Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits.
o Assess income to obligation ratios, loan to value ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance over long tenures.
o Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same.
o Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties
o Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems
o Exceed service quality standards and strive for continuous process improvement
o 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.
o Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal.
o Enable quick turnaround time of credit lending proposals for the mortgage business comprising of loan against property, and home loan business in close liaison with the sales team.
o Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable.
o 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
o 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.
o Follow up and ensure recovery of quick mortality cases between 12 -18 MOV.
Qualification : Graduate, Masters/Post Graduate
Certifications : CA/MBA (Preferable)
Employment Type: Full Time, Permanent
Read full job descriptionPrepare for Retail Manager roles with real interview advice
Top Tata Capital Retail Manager Interview Questions
Q1. How many Files do you handle per month and what is average TAT
asked in
Senior Manager Credit interview
Q2. What are the check points have to be observed in both legal and technical report?
Q3. Which formula do you know in excel Get this value usinhlg vlookup What is vlookup and its argument Use of concatenate formula Extract only d ... read more
asked in
MIS Executive interview
What people at Tata Capital are saying
What Tata Capital employees are saying about work life
based on 2.6k 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
Submitted by Employees
View more benefits 
Compare Tata Capital with
Bajaj Finance
Compare
HDFC Bank
Compare
ICICI Bank
Compare
Reliance Capital
Compare
Aditya Birla Capital
Compare
Mahindra Finance
Compare
L&T Finance
Compare
Shriram Finance
Compare
Edelweiss
Compare
Sammaan Capital Limited
Compare
Muthoot Fincorp
Compare
IIFL Finance
Compare
Muthoot Finance
Compare
Home Credit Finance
Compare
SMFG India Credit
Compare
Manappuram Finance
Compare
Piramal Capital Housing Finance
Compare
TVS Credit
Compare
Mahindra Rural Housing Finance
Compare
Bharat Financial Inclusion
Compare
Similar Jobs for you
Relationship Manager - Retail Sales - DSA Channel
1-6 Yrs
Gurgaon / Gurugram
Share an Interview