11377
1To underwrite mortgage business and manage the portfolio in assigned area
2 Support and co-partner with business teams to manage end to end credit approval for the designated region
3 Underwrite salaried SENP/SEP for retail and high value cases and present to senior level
4 Authorize deviations raised and documented by underwriters in compliance with credit policy.
5 Finalize review of credit memos, prepared by underwriters, and approval/ decline sign-offs on every file after checking for documentation
requests.
6 Approve all disbursement requests on the basis of achieved adherence to requirements on LTV, agreement value, full documentation
attainment at the branch level.
7 Monitor and oversee PDD management and ensure timely completion of personal discussion documents through customer visits in high
value cases.
8 Oversee and initiate follow-ups with external vendors (FI, Legal & Technical valuations) to ensure timely query resolution/ report submission
and eliminate any undue/ non-process related delays.
9 Co-ordinate with the recoveries team and generate business insights.
10 Lead a team of credit approvers to ensure portfolio quality and delinquencies.
11 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
12 Ensure due diligence in credit analysis, customer application screening, evaluation, underwriting and sanctioning of loan.
13 Evolve underwriting norms customized to the local market needs and ensure continued enhancement and execution of consumer credit risk strategy.
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.
