Regional Credit Manager - Strategic Accounts - Motor Finance - Credit - New at Tata Capital

New Delhi, , India -

Full Time

Start Date

Immediate

Expiry Date

29 Jun, 26

Salary

0.0

Posted On

31 Mar, 26

Experience

5 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Credit Underwriting, Portfolio Quality Monitoring, Risk Management, Credit Policy Implementation, Compliance, Team Management, Market Analysis, MIS Reporting, Auditing, Delinquency Analysis, Underwriting Quality Improvement

Industry

Financial Services

Description

Job Purpose The key objective of the Regional Credit Manager is to manage and optimize the credit risk portfolio of the region and segment under the Business Unit. They oversee credit policies implementation, evaluate creditworthiness of customers, maintain execution efficiency and develop strategies to minimize credit losses. Their role includes ensuring compliance with regulatory standards while fostering profitable and sustainable credit practices across the Business Unit. Main Accountabilities • Credit Underwriting of Strategic MF Customer loans and their timely sanction / closure for the region • Monitor Portfolio quality and risk management across the region on regular basis on various risk parameters: DPD, NPA, bounce rates, and delinquency trends. • Analysis of ED (Early Delinquency)/ Non-Starters/ PNS • Implementation of the Credit policy, process control, credit compliance and risk guidelines for the region • Handle a team of ACMs/CMs/Credit Officers/Associates in terms of train/monitor/control/motivate and engage • Hands-on market knowledge by communicating & maintaining co-ordination with other financers to stay updated on financing traits, market understanding, customer visits, feedback, new schemes launches, competitor policies, asset quality trends etc which helps in continuous improvement in underwriting quality. • MIS reporting and compliance: Publish weekly/monthly MIS on approvals, declines, portfolio risk, geography-wise performance; ensure accurate and timely system updates for underwriting decision; facilitate internal audits, compliance checks, and regulatory inspections for the region. • Keep track on performance of self and drive the team to enable positive results on KPIs Qualifications • Minimum Degree: CA or MBA in Finance

Responsibilities

The Regional Credit Manager is responsible for managing and optimizing the regional credit risk portfolio by overseeing credit policy implementation and evaluating customer creditworthiness. Key duties include monitoring portfolio quality, ensuring compliance, leading a team, and conducting market analysis to improve underwriting quality.