Description

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

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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, current schemes launch which helps in underwriting

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