Manager Credit Administration REPORTS TO (SOLID & MATRIX): Position Grade: Business Unit: SME Department: Credit Sub Function: Credit Administration Location: Number of Positions: Single / Multiple Position Type: Full Time

Job Purpose

Direct Reports (Position Title)

Resources

1. The objective of the Manager - Credit Administration is to oversee and manage all aspects of credit administration processes, ensuring accuracy, compliance, and efficiency. This role involves issuing sanctioned letters, verifying pre-disbursal documents, coordinating with operations, managing security perfection, monitoring post-disbursal documents, generating MIS reports, and driving process mapping and improvement initiatives to support the business.

Team Size

Direct:

Indirect Team Size (Onrolls):

Financial Resources

Book Size: INR XX

Net interest income:

Main Accountabilities

Qualifications & Experience

- Minimum Degree: MBA in Finance/ CA
- Minimum Years/type of experience:
- - years

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

- Approval of sanctioned letters to clients, specifying credit terms and conditions.
- Verification and approval of pre-disbursal documents for credit facilities.
- Decision on the perfection of security and the creation of charges for asset-backed credit.

Issuance of Sanctioned Letters:

- Prepare and issue sanctioned letters to clients, outlining the terms and conditions of credit facilities.

Pre-Disbursal Document Verification:





- Verify and validate pre-disbursal documents and documentation for accuracy and completeness.
- Coordinate with the operations department for data input and file maintenance.

Security Perfection and Charge Creation:

- Ensure the proper perfection of security and the creation of appropriate charges for assets securing the credit facility.
- File necessary documentation with the Registrar of Companies (ROC) as required.

Document Maintenance and Updation:

- Maintain an organized record of all credit-related documents and ensure they are kept up-to-date.
- Monitor and manage document expiration and renewals.

Post-Disbursal Document Follow-up:

- Supervise the follow-up process for post-disbursal documents (PDD) from clients.
- Maintain records of PDDs and ensure their completeness.

Deferral MIS:

- Prepare Management Information System (MIS) reports related to deferral cases.
- Track and report on deferral conditions in line with sanction terms.

Security Creation and Follow-up:

- Oversee the process of creating security instruments and follow up to ensure timely completion.
- Maintain records of security creation and compliance.

MIS on Revenue Leakages:

- Generate MIS reports to identify revenue leakages as per sanction conditions.
- Implement corrective actions to minimize revenue losses.

Process Mapping and Improvement:

- Map credit administration processes, identify areas for improvement, and develop process enhancement initiatives.
- Collaborate with teams to implement process improvements to enhance efficiency and compliance.

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📌 Sr. Manager - Credit Administration (Mumbai)
🏢 Tata Capital
📍 Mumbai