High Salary: Regional Credit Manager

4 weeks ago

Delhi, Delhi, India Tata Mutual Fund Full time
Job Description

Job Description

11007

To manage all activities pertaining to the sanction life cycle of all borrower accounts in the retail loan business for all short and medium term products

Post Graduate/ Graduate in any discipline

1. Own the entire credit underwriting process for the assigned region, including the consistent application of a credit policy, periodic credit reviews of existing customers, early warning and delinquency management and the assessment of the creditworthiness of potential customers.
2. Conduct periodic review of all existing policies, guidelines and processes to ensure updation on lines of external environment, organization needs and regulatory framework
3. Assess customers sourced by the Sales team as per the credit policy, determine deviations and exceptions and provide decision on deals (approve / suggest modified terms / decline), assess the customers based on customer documents, FI report, Sales visit report, Bureau report (CIBIL, etc.) and Tele-verification with the customer / Personal Discussion.
4. Monitor the local market on a monthly basis through interaction (personal visit/conversation over telephone) with customers, dealers, branches and other market intermediaries and provide recommendations for corrective action in sourcing, underwriting, etc.
5. Arrange for Credit programs and training within company's credit framework, providing inputs to analytics team to build portfolio analytics and scoring model, ensuring that there is no compromise on the quality of credit & maintain a healthy portfolio.
6. Authorize deviations raised and documented by underwriters in compliance with credit policy.
7. Oversee and initiate follow-ups with external vendors to ensure timely query resolution/ report submission and eliminate any undue/ non-process related delays.
8. Co-ordinate with the recoveries team and generate business insights.
9. Manage end to end credit approval for the designated zone.
10. Engage in development, implementation, review and monitoring of various credit programs and providing training and coaching to continuously upgrade the competency of the team and improving upon processing efficiency of the HUB.
11. Efficiently handle the team, keep them motivated and take quick decisions while being mindful that decision delayed is decision denied.
12. Manage credit buying process which monitors turnarounds, approvals, review of samples including quality checks on process.
13. Develop cross functional collaboration to smooth business and ensure quick TAT
14. Ensure compliance to all Audit / other regulatory regulations as well as processes, policies and reports as per company designed systems

  • High Salary: Regional Business Manager

    3 weeks ago

    Delhi, Delhi, India Kotak Mahindra Bank Limited Full time

    Job DescriptionRegional Business Manager - WCWorking Capital (WC)Will have team reporting to him. Will report to ZBM M6/M7Job Role- Managing team of leaders and Relationship Managers at Regional Level- Drive team for new acquisition through Branch Banking and/or Customer referrals- To build relationships with key persons (CFOs/ promoters) in the target...

  • Regional Credit Manager

    3 weeks ago

    Delhi, Delhi, India TATA CAPITAL Full time

    Job Category LAP-Credit 11007 To manage all activities pertaining to the sanction life cycle of all borrower accounts in the retail loan business for all short and medium term products Post Graduate Graduate in any discipline 1 Own the entire credit underwriting process for the assigned region including the consistent application of a credit...

  • Regional Credit Manager-Loan Against Property

    3 weeks ago

    Delhi, Delhi, India Kotak Mahindra Bank Limited Full time

    Job DescriptionJD For Regional Credit Manager South Region- Should have experience in Team Handling of Credit Manager / Area Credit Manager- Handling secured HL / LAP or working capital business.- Proposing, decision making and recommending loan requests in accordance with bank standards, which involve assessment and evaluation of credit worthiness of...

  • Regional Credit Manager

    3 weeks ago

    Delhi, Delhi, India TATA CAPITAL Full time

    Credit Portfolio Oversight Assume responsibility for the continuous monitoring and management of Midcorporate Division s diverse credit portfolio Implement a systematic approach to assess the overall health and performance of individual exposures within the portfolio Undertake in-depth and ongoing analyses of business performance meticulously comparing...

  • Regional Sales Head

    2 weeks ago

    Delhi, Delhi, India MNS Credit Management Group Private Limited Full time

    MNS Credit Management Group is a leading and rapidly growing agency in the domain of soft Debt Recovery and Business Information Reports. Established in 1996 and headquartered in New Delhi, India, the company has over two decades of experience in providing professional and organized services in domestic and international debt collection, business information...

  • Regional Sales Head

    2 weeks ago

    Delhi, Delhi, India MNS Credit Management Group Private Limited Full time

    MNS Credit Management Group is a leading and rapidly growing agency in the domain of soft Debt Recovery and Business Information Reports. Established in 1996 and headquartered in New Delhi, India, the company has over two decades of experience in providing professional and organized services in domestic and international debt collection, business...

  • Manager - Credit Control | North Regional office

    3 weeks ago

    Delhi, Delhi, India Blue Dart Full time

    Job DescriptionPosition Overview:The Manager of Credit Management & Control is responsible for overseeing the credit management function of the region, ensuring effective credit risk assessment and control processes. This role is vital for maintaining the organizations financial health by managing credit exposure and optimizing cash flow.Job Purpose:To lead...

  • Area Manager Credit

    5 days ago

    Delhi, Delhi, India Hinduja Housing Finance Full time ₹ 20,00,000 - ₹ 25,00,000 per year

    Intersted candidate can share CV to / Role & responsibilities• Managing the regional credit function• Deliver Credit assessment of Home Loans and Loan against Property• Follow TAT, Compliance, policies and procedures as per NHB guidance• Maintain a department organizational structure sufficient to meet all goals and objectivesto include a fail proof...

  • Credit Manager

    19 hours ago

    Delhi, Delhi, India Tata Capital Full time ₹ 5,00,000 - ₹ 15,00,000 per year

    Company DescriptionTata Capital Limited, a subsidiary of Tata Sons Limited, is registered with the Reserve Bank of India as a Core Investment Company. Offering a broad range of fund and fee-based financial services, Tata Capital caters to retail, corporate, and institutional customers. The company operates in various business areas like Commercial Finance,...

  • Regional Head-csp

    2 weeks ago

    Delhi, Delhi, India Kotak Mahindra Bank Full time

    Kotak Mahindra Investments Limited KMIL - Wholesale Banking - Regional Head North - Corporate Structured ProductsGrade M7 I Location KolkataCorporate Structured Product team provides tailor-made solutions at Holdco OpCo Promoter level The solutions are structured to providefinance in a way that best fits specific financial needs of customers Job Role...