11007

To manage all activities pertaining to the sanction life cycle of all borrower
accounts in the retail loan business for all short and medium term products

Post Graduate/ Graduate in any discipline

1. Own the entire credit underwriting process for the assigned region, including
the consistent application of a credit policy, periodic credit reviews of
existing customers, early warning and delinquency management and the assessment
of the creditworthiness of potential customers.
2. Conduct periodic review of all existing policies, guidelines and processes to
ensure updation on lines of external workplace, organization needs and
regulatory framework
3. Assess customers sourced by the Sales team as per the credit policy,
determine deviations and exceptions and provide decision on deals (approve /
suggest modified terms / decline), assess the customers based on customer
documents, FI report, Sales visit report, Bureau report (CIBIL, etc.) and
Tele-verification with the customer / Personal Discussion.
4.



Monitor the local market on a monthly basis through interaction (personal
visit/conversation over telephone) with customers, dealers, branches and other
market intermediaries and provide recommendations for corrective action in
sourcing, underwriting, etc.
5. Arrange for Credit programs and training within company's credit framework,
providing inputs to analytics team to build portfolio analytics and scoring
model, ensuring that there is no compromise on the quality of credit & maintain
a healthy portfolio.
6. Authorize deviations raised and documented by underwriters in compliance with
credit policy.
7. Oversee and initiate follow-ups with external vendors to ensure timely query
resolution/ report submission and eliminate any undue/ non-process related
delays.
8. Co-ordinate with the recoveries team and generate business insights.
9. Manage end to end credit approval for the designated zone.
10. Engage in development, implementation, review and monitoring of var

📌 Regional Credit Manager (Jaipur)
🏢 Tata Capital
📍 Jaipur