Area Credit Manager - SC/CEQ/EF/Leasing/CV - Credit -Delhi - Videocon Towers - JM Area Credit Manager - CEQ REPORTS TO (SOLID & MATRIX): Position Grade: M4/M5 Business Unit: SME Department: Credit Sub Function: CEQ Location: Number of Positions: Single / Multiple Position Type: Full Time Job Purpose Direct Reports (Position Title) Resources 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, recent 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

📌 Area Credit Manager - Credit Risk and Portfolio Management (New Delhi)
🏢 Tata Capital Finance
📍 New Delhi