Regional Credit Manager

7 days ago

Delhi India Tata Mutual Fund Full time

Job Description Job Description End-to-End Credit Approval: - Support and partner with business teams to manage the entire credit approval process within the designated region. Credit Underwriting: - Underwrite credit applications for corporate finance products across all customer segments. - Present underwriting recommendations to senior-level management. - Having deep understanding of various industries - Suggest/Incorporate adequate transaction structures for mitigating Risks and maintain quality loan portfolio. Deviations Authorization: - Authorize deviations from credit policies when raised and documented by underwriters, ensuring compliance. Credit Memo Review: - Finalize the review of credit memos prepared by underwriters. - Approve or decline credit applications, considering documentation requests. Disbursement Approvals: - Approve disbursement requests based on adherence to sanctioned conditions and ensuring appropriate documentation. Vendor Follow-up: - Oversee and initiate follow-ups with external vendors to resolve queries, ensure timely report submission, and eliminate delays. Business Insights: - Collaborate with the recoveries team to generate business insights from credit data and portfolio performance. Team Leadership: - Lead and manage a team of credit manager to ensure quality of credit portfolio and minimize delinquencies. - Provide training and coaching to enhance team's competency and processing efficiency. Portfolio Monitoring - Identification of Early warning signals to earmark stress accounts and initiation of exit from stress accounts - Proactive monitoring of portfolio for control over credit costs. - Presentation of Regional portfolio including cuts to Senior Management Strategic Initiatives and Credit Program Development: - Engage in the development, implementation, review, and monitoring of various credit programs to support business growth. - Participate actively in development and adoption of digital processes and automation. - Conducting portfolio reviews including Sector Specific Reviews Travel and Branch Oversight: - Extensively travel within the region to oversee branches under the designated territory. - Provide guidance to the team and ensure the quality of the portfolio. Compliance: Ensure strict compliance with all audit, regulatory, and company regulations, processes, policies, and reporting systems

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