Description
Responsible for credit risk analysis & underwriting for Microfinance & Business Correspondent Loan proposals
Reviewing and analysing of operations, financial statements, annual reports, CIBIL, AMLOCK and other relevant information.
Periodic review of sector through detailed reports. Preparing quarterly and event-based reports on industry and client level updates for senior management.
Prepare reports and presentation of findings & recommendations to seniors
Review and assess a broad range of JLG loan applications & Business correspondence within defined guidelines and accordingly take decision or recommend for approval to higher authorities.
Credit assessment of corporate proposals for Financial Institutions covering Micro Finance funded Business Correspondence partners
Under write proposals as per the laid down policies & procedure to honour the agreed SLAs and manage city/area business volumes.
Assess income to obligation ratios, loan to value ratios,



in depth knowledge of rational behind calculation of ratios and its impact on loan performance over long tenures.
Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same.
Facilitate critical review and documentation of the proposals and effectively monitor the client & collateral creditworthiness from the pre sanction to post disbursement phase & undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal & documentation norms & policies
Responsible for improving underwriting efficiencies while ensuring adequate risk management.
Preparing score based internal rating model to recommend risk adjusted credit decisions through detailed assessment reports, along with measures to mitigate risks.
Preparing Early Warning Signals report for the segment basis evolving credit controls at clients’ end & external workplace to control PDs and LGDs for entire portfolio.
Managing audits and ensur

📌 Credit Manager Thane
🏢 Tata Capital
📍 Thane