Company Description Tata Capital Limited is a holistic financial services provider serving retail, housing, SME, and corporate customers across India through a network of 1500+ branches. The company offers a broad portfolio of products, including Consumer Finance, Housing Finance, Commercial Finance, Cleantech Finance, Microfinance, Debt Syndication, Private Equity, and Credit Cards.

As part of the Tata group, Tata Capital emphasizes customer-centric solutions and long-term value creation. Team members benefit from exposure to diverse financial products and segments, as well as opportunities to grow in a dynamic, pan-India organization.

Role Description The Credit Manager is a full-time, in office role based in Nagpur, responsible for overseeing credit assessment and approval processes within assigned portfolios.

This role involves conducting Credit Assessment of borrower by conducting PD and analyzing financial statements, assessing risk profiles, and recommending appropriate credit limits and structures in line with company policies.

The Credit Manager will monitor existing accounts for early warning signals, ensure compliance with internal and regulatory norms, and maintain accurate documentation and records. Day-to-day tasks include collaborating with business teams,



handling existing portfolio and ensuring portfolio within defined norms and includes PDM, Portfolio Review for Collateral accepted and Business Profile.

Role involves conducting physical Visit at customer premises within and outside City Limit, visiting and monitoring delinquent customer.

Qualifications

- Candidates should possess strong skills in Credit Management and Credit to evaluate and structure lending proposals effectively.
- Relevant academic background such as MBA or CA or professional certifications in credit or risk management are an advantage.
- Previous experience in credit appraisal as Credit Manager for atleast 2 years in underwriting within banking or NBFC environments, preferably in retail.
- Strong attention to detail, sound judgment, and the ability to make data-driven decisions under time constraints.
- Effective communication and stakeholder management skills, with the ability to work collaboratively with sales, operations, and risk teams.
- Proficiency in financial analysis tools and MS Office applications; familiarity with credit scoring systems and internal risk models is beneficial.
- Candidate with current role as CPA or Credit Officer are requested not apply for this job role.

📌 Credit Manager (Nagpur)
🏢 Tata Capital
📍 Nagpur