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 –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 precise 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, current 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

📌 Credit Manager - Supply Chain - Credit Appraisal - Pune
🏢 Tata Capital
📍 Pune