Job Description

Main Accountabilities

- Prepare/amend the note / financial model with correct information (gathered via business team / public domain / other resources)
- Prepare the credit note comprising of the detailed transaction structuring/ assessment with a focus on the assessment part of the sought credit facility
- Undertake regular interaction with collections / sales to track delinquencies Study delinquent cases with a view to derive learning and sharing the same with the team
- Meet customers (retail & strategic) at regular intervals to understand various industry & markets
- Pre approval and rating of all clients with exposure more than Rs 500L Regular Training sessions for Sales / Channel Partners / Filed sales staff on the various product policies & processes
- Control & Monitoring of Post Disbursement Documents â€Invoice, Insurance & RC by way of interaction with sales and customers
- Managing portfolio to meet the requisite quality of documentation, post disbursal documents and delinquency levels
- Working on projects/process improvements from time To time




- Perform the financial analysis in detail attending to all major movements in P&L; & Balance sheet while ascertaining /citing the accurate reason of such movement
- Prepare the Credit Note comprising of structure of the transaction and view of credit, detailing risk and mitigants
- Detailed financial appraisal covering the business model, working capital cycle, profitability etc
- Development of market intelligence by engaging with the people in other banks and FIs w.r.t. their policies, focus area, portfolio health
- Identify the automation opportunities in existing processes, new product development
- Quality of Credit Underwriting
- Raise early warning signals for exit of stress accounts and take due measures for timely exit
- Ensure minimal audit queries including RBI and statutory audits and resolve the same within prescribed timelines
- Active involvement in customer visit
- Regular MIS on market intelligence

📌 Area Credit Manager-SCF-Credit Appraisal-Delhi
🏢 Tata Mutual Fund
📍 Delhi