Credit Manager - Personal Loans - SMPL - Bengaluru - Krishna Tower - JM at Tata Capital

Bangalore, karnataka, India -

Full Time

Start Date

Immediate

Expiry Date

26 May, 26

Salary

0.0

Posted On

25 Feb, 26

Experience

5 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Underwriting, Portfolio Management, Credit Analysis, Risk Mitigation, KYC Compliance, Loan Application Review, Credit Worthiness Assessment, MIS Reporting, Client Relationship Management, Process Improvement, Collateral Assessment, SLA Adherence, Credit Risk Assessment, Sales Liaison, Documentation Review

Industry

Financial Services

Description

Key Objective of the Job: To underwrite and manage the portfolio in assigned branch/location Educational Qualification: Post Graduate/ Graduate in any discipline Major Deliverables: 1. Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities. 2. Under write proposals as per the laid down policies & procedure to honor the agreed SLAs and manage city/area business volumes. 3. Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits. 4. Assess income to obligation ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance during the loan tenure. 5. Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same. 6. Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties 7. Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems 8. Exceed service quality standards and strive for continuous process improvement 9. Undertake critical review of the credit proposals with a view to bring out the industry, business, financial, management and facility structure risk contained in the credit proposal. 10. Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal. 11. Enable quick turnaround time of credit lending proposals for the business in close liaison with the sales team. 12. Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable. 13. Facilitate critical review and documentation of the proposals and effectively monitor the client & collateral creditworthiness from the pre-sanction to post disbursement phase & undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal & documentation norms & policies 14. Manage the credit underwriting function of his/her branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team.

Responsibilities

The primary objective is to underwrite and manage the personal loan portfolio for an assigned branch, requiring the assessment of complex loan applications against defined guidelines. Key deliverables include conducting customer discussions, ensuring document completion, maintaining portfolio MIS, and facilitating quick turnaround times for lending proposals in coordination with the sales team.