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Key Objective of the Job:
• Strong Analytical Skills. Eye for Detail.
• Passion for Excellence
• Collaborative & Co-ordinations Skills
• Good at Building and executing Strategy.
• Self-motivated and customer orientated
• Sound problem solving and decision making skills
• Strong leadership.
• Coaching and Mentoring.
• Good communications and interpersonal skills•
• Working understanding of Social and Environmental Management Systems (SEMS) or similar standards.
Major Deliverables:
• Lead and manage the complete gamut of Credit Processes-Appraisal, Underwriting, Compliance and Monitoring for the organization for emerging sectors such as E-mobility, Solar Rooftop, Water, Energy Efficiency, Green warehousing.
• Keep a keen eye on all key sectoral developments; Build and amend credit policies proactively to maintain the pristine quality of portfolio.
• Detailed due diligence of proposals presented to Credit Committee.
• As a member of Credit Committee, discuss with the other members of the committee and then decide to approve, reject or recommend the transaction.
• Detailed analysis of risks including but not limited to Financial, Commercial, Technical or Policy and Regulatory risks and their mitigants where available.
• Build and execute the best practices for Credit Assessment of Transactions across disparate products and sectors.
• Preparation of detailed Credit Note to be presented to Investment Credit Committee of the Board.
• Construct, in consultation with Business, a long term strategy for underwriting that helps build a robust, quality portfolio.
• Work with Business to deliver Industry leading TAT without compromising on quality of assessment.
• Effectively engage with various internal and external agencies such as other FIs, Credit Rating Agencies, Developers and Regulators so as to proactively learn of new developments and happenings in the space.
• Thought Leadership
• Ensure complete adherence to various credit policies
• Ensure complete compliance of various norms, terms and conditions as stipulated in norms, policy or sanctions.
• Periodic Review and monitoring of portfolio.
• Work cohesively with Risk on underwriting, Policy Formulation and review of existing policies and norms.
• Work harmoniously with other internal functions such as Origination and Relationship, Legal, Internal Audit and Operations to achieve maximum efficacy.
• Capacity building of the team in line with Industry Dynamics.
• Ensure compliance of TCCL’s Policy on Social and Environmental Management Systems (SEMS).
• Periodic review of SEMS findings and action points.
• Coordinate and work with IFC to maintain highest standards of SEMS compliance.
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 Associate - Credit Monitoring (TCCL) - Credit - Mumbai - Lodha (I-Think Techno Campus) - J Grades 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.