Key Objective of the Job:

To ensure the effective management and supervision of credit operations across
branches, including conducting due diligence on funding proposals, implementing
credit policies, maintaining portfolio quality, providing training, managing a
team, and staying updated on market trends to inform underwriting decisions.
Additionally, the role involves regular audits, addressing audit queries, and
fostering coordination with other financial institutions.Top of Form

Bottom of Form

Key Deliverables:

* Timely due diligence of the funding proposals of the branches
* Ensuring the Credit policy implementations
* Managing and supervising FI agency/ valuation agency operations
* Ensuring quality portfolio of the branches within the set parameters
* Conducting training for FI/Channels and cross verticals at regular intervals




* Visiting Channels/ Branches and customers at regular intervals
* Handling a team of Credit Managers and associates
* Providing market feedback through fieldd visits and networking with Credit
counterparts of competition
* Providing inputs for localized schemes based on market dynamics and
delinquency studies
* Audit of files and Process and taking corrective measures
* Complying to audit Queries
* Keep track on performance of self and drive the team to enable positive
results on KPIs
* Communicate & Maintain co-ordination with other financers to stay updated on
financing traits, market understanding, customer feedback, recent schemes launch
which helps in underwriting

📌 Area Credit Manager (India)
🏢 Tata Capital
📍 India