Company Description Tata Capital Limited is a holistic financial services provider serving retail, housing, SME, and corporate customers across India through a network of 1500+ branches. The company offers a wide range of products including Consumer Finance, Housing Finance, Commercial Finance, Cleantech Finance, Microfinance, Debt Syndication, Private Equity, and Credit Cards. As part of the Tata Group, Tata Capital emphasizes ethical business practices, customer-centric solutions, and long-term value creation.

Team members benefit from exposure to diverse financial products, a pan-India customer base, and opportunities for professional growth within a large, established organization.

Role Description The Area Credit Manager is a full-time, in office role based in Chennai, responsible for overseeing credit assessment and approval processes within the assigned region. The role involves evaluating credit proposals, analyzing financial statements, conducting risk assessments, and ensuring adherence to internal credit policies and regulatory guidelines.

The Area Credit

Manager will monitor portfolio performance, track delinquencies, and recommend corrective actions to maintain asset quality. Daily responsibilities include collaborating with sales and operations teams, guiding branch credit officers,



participating in credit committee discussions, and preparing reports and insights for senior management. The role also includes contributing to process improvements, supporting audits, and ensuring a high standard of governance and compliance.

Qualifications

- Strong expertise in Credit Management and Credit Risk Management, with the ability to evaluate and structure credit proposals.
- Solid foundation in Finance and Credit, including understanding of financial statements, cash flows, and risk-return dynamics.
- Advanced Analytical Skills for quantitative analysis, trend identification, and portfolio monitoring.
- CA or Master’s degree in Finance, Accounting, Economics, Business, or a related field.
- Experience in banking or NBFC credit functions, preferably in retail or SME lending.
- Knowledge of regulatory norms, internal credit policies, and risk frameworks relevant to Indian financial services.
- Effective communication and stakeholder management skills, with the ability to collaborate cross-functionally.
- Strong organizational skills, attention to detail, and ability to make timely, data-driven decisions.
- Proficiency in MS Excel and other analytical or credit management tools.

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