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Criticality of the role to the business
1. High impact on initiation of new business / new partnerships / new customer segments (geographic, cluster based, etc.)
2. High impact on digital adoption within Emerging Corporate business
3. High impact on DSA driven sourcing outcomes and data/contact-based sourcing
4. Direct impact on new business growth, book size, NII
5. Very critical
Background of the Role :
Tata Capital is one of the leading NBFCs in India, with an asset base of over Rs. 85,000 crores.
Tata Capital’s Commercial Finance Department caters to all segments of corporate customers:
1. Large and Mid-Corporates
2. Emerging Corporates and SMEs
3. Supply chain customers (dealers and distributors)
4. Government companies
5. Contractors and equipment operators
Corporate Finance Department’s business and customers are spread across Manufacturing, Services, IT, Financial Services and Trading sectors. Across the customer segments, there are product offerings that go beyond the conventional banking product offerings. Commercial Finance Business has a current lending portfolio of over Rs. 34,000 crores.
The Emerging Corporate and SMEs business caters to companies with turnover of up to Rs. 500 crores. The business is spread across ~30 locations in India through direct presence in Tier-1 and Tier-2 locations.
We intend to accelerate the growth of Emerging Corporate and SMEs business by taking initiatives like:
1. Applying data science techniques to identify new customers
2. Widening the base of sourcing partners across India
3. Cross sell with existing branch network of Tata Capital’s Retail businesses
4. Identifying alternate credit algorithms, compared to traditional financial statements-based lending parameters
5. Identifying credit-strong co-lending opportunities, entering and executing such co-lending agreements
Major Deliverables
We are looking for an experienced professional to drive the above initiatives within Emerging Corporate and SME Business. S/he will have the following main responsibilities, among others:
1. Data based Sourcing
a. Identifying sources of data and working with Data Science team to generate business leads
b. Identifying newer methods to appraise credit worthiness of potential client
2. Widening sourcing base
a. Empaneling more sourcing partners pan-India
b. Developing high-impact cross-sell relationships with Retail business teams with Tata Capital
3. Partnerships
a. Identifying and executing the appropriate co-lending partnerships with Fintechs and other NBFCs and Banks
4. Process Improvements
a. Identifying gaps in customer facing processes and transforming them to best-in-class standards
5. Management of critical deals
a. Assisting Business Head in some high impact / critical transactions
Essential Attributes
1. Strong knowledge of credit
2. Strong technology and finance background
3. Experience in similar role for minimum 4-5 years
Desirable Attributes
1. Interest in financial markets / services for a long term
2. High degree of digital and commercial acumen
3. Hard working and ability to manage multiple deliverables amidst tight deadlines
Qualifications :
Graduation: B.Com, B. Tech, B.E (Computer Science)
Post-Graduation: CA, MBA (Finance Specialization)
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 Assistant Vice President-CSFD-Product-Emerging Corporate-Mumbai-Lower Parel-MM 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.