Business Unit Retail Finance Business

Location Goregaon-Mumbai

Job Role Credit Strategy – LAP

Team Leader / Individual Role Individual Role

Reporting Manager Strategy Head

Reviewer Chief Credit Officer

Key Responsibilities:

 Identification of early warning risk indicators through monitoring triggers and periodic review of portfolio at various parameters.

 Regular monitoring of risk triggers set against each programs, Quantifying and highlighting major parameter for overall portfolio monitoring.

 Tracking portfolio on various cuts/dashboards to ensure overall portfolio quality and sourcing quality.

 Initiation and monitoring of corrective action plans for the burst triggers through suggestion and changes.

 To recommend modification, if required, for change in approval matrix or existing policy parameters.

 Identifying and reporting various key trends in market/competition,



to engage in first level dialogue and identify the erring segments in company’s portfolio.

 Taking corrective actions to minimize delinquency and to achieve projected ROAs and ROEs

 Ensuring that the corrective plan results in maintaining Net Credit Losses with in the budgeted level.

 Discontinuing policies and programs contributing to higher losses.

 Overseeing the unplanned growth in any geography affecting the portfolio quality and to put preventive course of action well in advance.

Key Competencies / skill set:

• Minimum 10 years of experience in Credit Analysis of LAP.

• Positive Credit and risk understanding in LAP.

• Good Analytical skill, Data Slicing, and number crunching skill.

Desired qualification

• C.A.

• MBA (Finance)

📌 Assistant VP (Thane)
🏢 Tata Capital
📍 Thane