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Credit Manager - Secured Business Loans (Micro LAP) - Namakkal - Mithun Arc at Tata Capital

Namakkal, tamil nadu, India -

Full Time

Start Date

Immediate

Expiry Date

14 Jun, 26

Salary

0.0

Posted On

16 Mar, 26

Experience

2 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Credit Assessment, Policy Adherence, Risk Mitigation, Customer Interaction, Loan Application Processing, Timeline Management, Relationship Building, Sales Coordination, Operations Coordination, Security Creation, KYC Guidelines Adherence, Credit Parameter Adherence, Relationship Management, Data Processing, Risk Analysis, Travel

Industry

Financial Services

Description

Credit who will verify whether all the loan applications are assessed as per the credit policy and whether deviations if any, are appropriately mitigated and documented. The candidate will be interacting with the customers, assessing them based on personal discussions & interviews, ensuring that all files are turned around within an acceptable timeline, and building a solid relationship with them. He will also be coordinating with the sales team and operations team for collecting accurate data. Ensuring proper security creation process for all secured loans Ensuring that all KYC guidelines issued by RBI from time to time have been adhered to Interacting with customers, assessing the applications, and ensuring that credit parameters have been adhered to Relationship Management: Coordinating with the sales and relationship managers for ensuring proper documentation and rectifying any audit queries Analytical skills and ability to process data on computer spreadsheets Comfortable in assessing clients without access to audited financials Deep understanding of risk and its various dimensions like operational risk, credit risk, market risk, etc Willingness and ability to travel within the city.

Responsibilities

The Credit Manager will verify that all loan applications are assessed according to credit policy, ensuring any deviations are mitigated and documented, while managing customer interactions and application timelines. This role also involves coordinating data collection with sales and operations teams and ensuring proper security creation for all secured loans.