1 Support and co-partner with business teams to manage end to end credit approval for the designated region.
2 Underwrite for all customer segments for corporate finance products and present to senior level.
3 Authorize deviations raised and documented by underwriters in compliance with credit policy.
4 Finalize review of credit memos, prepared by underwriters, and approval/ decline sign-offs on every file after checking for documentation requests.
5 Approve all disbursement requests on the basis of achieved adherence to requirements and full documentation attainment at the branch level.
6 Oversee and initiating follow-ups with external vendors to ensure timely query resolution/ report submission and eliminate any undue/ non-process related delays.
7 Co-ordinate with the recoveries team and generate business insights.
8 Engage in development, implementation, review and monitoring of various credit programs and providing training and coaching To continuously upgrade the competency of the team and improving upon processing efficiency of the HUB
9 Extensively travel to oversee branches falling under his territory in order to develop business, guide the team and ensure quality portfolio in the assigned region
10 Ensure compliance to all Audit /other regulatory regulations as well as processes, policies and reports as per company designed systems
11 Ensure self updating on key regulatory changes and competition practices and appraise team members on the same
12 Extensive participating in all monitoring related activities
13 Active participating in collection follow up and delinquency management
14 Maintaining the quality of the portfolio as well keeping the overall TAT of the region within the predefined and acceptable norms
15 To be able to regularly keeping abreast the team w.r.t. all update / modifications in the credit policies / processes etc.
Qualifications -
Minimum Degree: MBA/PGDBA/PGPM/ CA or Equivalent.
Tata Capital Limited is a subsidiary of Tata Sons Limited. The Company is registered with the Reserve Bank of India as a Core Investment Company and offers through itself and its subsidiaries fund and fee-based financial services to its customers, under the Tata Capital brand.
As a trusted and customer-centric, one-stop financial services provider, Tata Capital caters to the diverse needs of retail, corporate and institutional customers, across various areas of business namely the Commercial Finance, Infrastructure Finance, Cleantech Finance, Wealth Management, Consumer Loans and distribution and marketing of Tata Cards. Tata Capital has over 500+ branches spanning all critical markets in India.
