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Key Objective of the Job:
To drive Rural Individual Loan business underwriting and creating quality portfolio.
Major Deliverables:
• 1. Managing a team of Branch credit managers, Credit Executives.
• 2. Conduct personal discussion with customers to establish Credit worthiness.
• 3. Pre and post sanction credit risk compliance.
• 4. Responsible for controlling delinquencies through portfolio review especially monitoring non-starters portfolio.
• 5. Control on portfolio performance.
• 6. Underwrite Individual loan and prepare Credit Appraisal Memo (CAM).
• 7. Coordinate with sales to achieve targets and ensure TAT.
• 8. Support and train the team of Credit Manager/officers
• 9. Responsible for manpower
• 10. Knowledge understanding of local market.
• 11. Work closely with regional Credit Manager
• 12. Coordinate with internal teams like ICQ, Operational and sales.
Qualification : Graduate in any discipline.
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.
The key responsibilities for this role are detailed in the Key Responsibilities section above, covering the core duties expected of a Area Credit Manager - Retail MFB - RIL - Credit - Thiruvadanai - VIJ Complex - JM at Tata Capital.
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.
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.
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.