11005

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

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 various credit programs and providing training and coaching to continuously upgrade the competency of the team and improving upon processing efficiency of the HUB.
11. Efficiently handle the team, keep them motivated and take quick decisions while being mindful that decision delayed is

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