Tata Capital Finance Ltd

Area Credit Manager - Credit Risk and Portfolio Management

Tata Capital Finance Ltd
New Delhi
Not disclosed
Work from OfficeWork from Office
Full TimeFull Time
Min. 5 yearsMin. 5 years

Job Description

Area Credit Manager - SC/CEQ/EF/Leasing/CV - Credit -Delhi - Videocon Towers - JM

Area Credit Manager - CEQREPORTS TO (SOLID & MATRIX): Position Grade: M4/M5Business Unit: SMEDepartment: CreditSub Function: CEQLocation: Number of Positions: Single/ MultiplePosition Type: Full Time

Job Purpose

Direct Reports (Position Title)

Resources

  1. The objective of the role is to ensure vigorous credit underwriting, monitor delinquencies, and enhance market intelligence. This involves preparing credit notes, conducting client visits, and analysing transaction risks. The role also includes identifying automation opportunities, minimizing audit queries, and staying updated on market practices to facilitate informed decision-making.
 Team Size

Direct: 3

Indirect Team Size (Onrolls): 3

Financial Resources

Book Size: INR XX

Net interest income: 

Main Accountabilities

Qualifications & Experience

  • Minimum Degree: MBA/PGDBA/PGPM/ CA or Equivalent
  • Minimum Years/type of experience: 5 - 9 years in Banks/FIs

Competencies:

  • Speed
  • Meritocracy
  • Leadership Effectiveness
  • Customer Focus
  • Tech Quotient
  • Sustainability
  • Adaptability
  • Influence
  • Collaboration
  • Integrity
  • Resilience
  • Agility
  • Decisiveness
  • Risk management
  • Financial acumen

Functional Competencies

TCL shall populate as per the existing  grid

Key Decisions taken

  •  Amendment of credit notes and financial models.
  • Preparation of detailed credit notes.
  • Interaction with collections and sales teams for delinquency tracking.
  • Customer meetings for industry and market understanding.
  • Prepare/amend the note / financial model with correct information (gathered via business team / public domain / other resources)
  • Undertake regular interaction with collections / sales to track delinquencies Study delinquent cases with a view to derive learning and sharing the same with the team
  • Meet customers (retail & strategic) at regular intervals to understand various industry & markets
  • Control & Monitoring of Post Disbursement Documents –Invoice, Insurance & RC by way of interaction with sales and customers 
  • Managing portfolio to meet the requisite quality of documentation, post disbursal documents and delinquency levels
  • Working on projects/process improvements from time To time
  • Development of market intelligence by engaging with the people in other banks and FIs w.r.t. their policies, focus area, portfolio health
  • Identify the automation opportunities in existing processes, new product development
  • Quality of Credit Underwriting
  • Raise early warning signals for exit of stress accounts and take due measures for timely exit
  • Ensure minimal audit queries including RBI and statutory audits and resolve the same within prescribed timelines
  • Active involvement in customer visit 
  • Regular MIS on market intelligence
JD Written by JD Approved by 

Job role

Work location
Work locationDelhi, Delhi - Videocon Towers, 7th Floor, Videocon Towers,� Block� 7 E, Jhandewalan Extention, New Delhi, Delhi, India
Department
DepartmentBanking / Insurance / Financial Services
Role / Category
Role / CategoryBanking Operations
Employment type
Employment typeFull Time
Shift
ShiftDay Shift

Job requirements

Experience
ExperienceMin. 5 years

About company

Name
NameTata Capital Finance Ltd
Job posted by Tata Capital Finance Ltd

Similar jobs you can apply for

Computer / Data Entry Operator / COPA

Data Entry Specialist

Manvi Enterprises
Kirti Nagar, New Delhi
₹8,000 - ₹10,000
Work from Office
Full Time
Min. 1 year
Basic English
Heritage Paper

Accountant Cum Office Assistant

Heritage Paper
Okhla Industrial Area, New Delhi
₹20,000 - ₹25,000
Work from Office
Full Time
Min. 2 years
Good (Intermediate / Advanced) English

Content Creator

The Repair Company
Rohini, New Delhi
₹18,000 - ₹40,000*
Work from Office
Full Time
Night Shift
Min. 2 years
Basic English

Printing Operator

Shreem Graphics
Mayapuri, New Delhi
₹14,000 - ₹17,500
Work from Office
Full Time
Any experience
No English Required

Sales Agent

Vipul Enterprises
Tri Nagar, New Delhi
₹10,000 - ₹14,000*
Work from Office
Full Time
Any experience
Good (Intermediate / Advanced) English

eCommerce Operations Manager

M S Enterprises
Khanpur, New Delhi
₹15,000 - ₹20,000
Work from Office
Full Time
Min. 5 years
Basic English

You can expect a minimum salary of 0 INR. The salary offered will depend on your skills, experience and performance in the interview.

The candidate should have completed the required education and people who have 5 to 9 years are eligible to apply for this job. You can apply for more jobs in New Delhi to get hired quickly.

The candidate should have sound communication skills and sound communication skills for this job.

Both Male and Female candidates can apply for this job.

No, it's not a work from home job and can't be done online. You can explore and apply for other work from home jobs in New Delhi at apna.

No work-related deposit needs to be made during your employment with the company.

Go to the apna app and apply for this job. Click on the apply button and call HR directly to schedule your interview.

The last date to apply for this job is . For more details, download apna app and find Full Time jobs in New Delhi . Through apna, you can find jobs in 64 cities across India. Join NOW!