Description
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 prospects, 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
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 intera
📌 Area Credit Manager Ceq Finance Bhubaneswar
🏢 Tata Capital
📍 Bhubaneswar
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