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Area Credit Manager-CEQ-Credit Appraisal-Ahmedabad - Navrangpura-M4-M6*

Tata Capital — Ahmedabad, SITAPUR

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Experience 0-5 Years yrs
Age 21-35 yrs
Gender Both
Salary Not Disclosed LPA
Department Sales Loans
Product Loans

Job Description

Area Credit Manager - CEQREPORTS TO (SOLID & MATRIX): Position Grade: M4/M5Business Unit: SMEDepartment: CreditSub Function: CEQLocation: Number of Positions: Single/ MultiplePosition Type: Full Time

Job Purpose

Direct Reports (Position Title)

Resources
  1. The objective of the role is to ensure vigorous credit underwriting, monitor delinquencies, and enhance market intelligence. This involves preparing credit notes, conducting client visits, and analysing transaction risks. The role also includes identifying automation opportunities, minimizing audit queries, and staying updated on market practices to facilitate informed decision-making.
   Team Size

Direct: 3

Indirect Team Size (Onrolls): 3
Financial Resources

Book Size: INR XX

Net interest income: 

Main Accountabilities

Qualifications & Experience

  • Minimum Degree: MBA/PGDBA/PGPM/ CA or Equivalent
  • Minimum Years/type of experience: 5 - 9 years in Banks/FIs

Competencies:

  • Speed
  • Meritocracy
  • Leadership Effectiveness
  • Customer Focus
  • Tech Quotient
  • Sustainability
  • Adaptability
  • Influence
  • Collaboration
  • Integrity
  • Resilience
  • Agility
  • Decisiveness
  • Risk management
  • Financial acumen

Functional Competencies

TCL shall populate as per the existing  grid

Key Decisions taken

  •  Amendment of credit notes and financial models.
  • Preparation of detailed credit notes.
  • Interaction with collections and sales teams for delinquency tracking.
  • Customer meetings for industry and market understanding.
  • Prepare/amend the note / financial model with correct information (gathered via business team / public domain / other resources)
  • 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
  • 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
  • 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
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Frequently Asked Questions

What are the eligibility criteria for the Area Credit Manager-CEQ-Credit Appraisal-Ahmedabad - Navrangpura-M4-M6* job at Tata Capital?

Eligibility typically includes the qualifications and experience outlined in the job description above, with around 0-5 Years years of relevant experience expected for this role.

What are the primary responsibilities of a Area Credit Manager-CEQ-Credit Appraisal-Ahmedabad - Navrangpura-M4-M6* at Tata Capital?

The key responsibilities for this role are detailed in the Key Responsibilities section above, covering the core duties expected of a Area Credit Manager-CEQ-Credit Appraisal-Ahmedabad - Navrangpura-M4-M6* at Tata Capital.

Is prior experience required for this position?

This role requires around 0-5 Years years of relevant experience, as specified in the job listing. Please refer to the Qualifications & Experience section above for full details.

What skills are important for this role?

Skills relevant to this position are outlined in the Qualifications & Experience section above. In general, strong communication, domain knowledge, and the ability to meet role-specific targets are valued across similar BFSI positions.

How do I apply for the Area Credit Manager-CEQ-Credit Appraisal-Ahmedabad - Navrangpura-M4-M6* role at Tata Capital?

You can apply directly using the Apply Now button on this page, which will take you to Tata Capital's application process for this role.