via Career pages·4w ago
Credit Manager - Two Wheeler Loans - Patna - Parth Ashtha - JM
Tata Capital
Full-timeOn-site
Location:IndiaType:Full-timePosted:4w ago
- To underwrite and manage the portfolio in assigned branch/location
- Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities.
- Under write proposals as per the laid down policies & procedure to honour the agreed SLAs and manage city/area business volumes.
- Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits.
- Assess income to obligation ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance during the loan tenure.
- Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same.
- Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties
- Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems
- Exceed service quality standards and strive for continuous process improvement
- 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.
- Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal.
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