Area Credit Manager - Credit Appraisal
- Tata Capital
- Chennai, India
- INR 1,800,000 – INR 2,500,000
Main Accountabilities
- 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
Skills
- Credit Appraisal
- Financial Modeling
- Risk assessment
- Portfolio Management
- Regulatory Compliance
- Market Intelligence
- MIS Reporting
