Regional Credit Manager

3 days ago

delhi, India Tata Capital Full time

DescriptionEnd-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 industriesSuggest/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 MonitoringIdentification of Early warning signals to earmark stress accounts and initiation of exit from stress accountsProactive monitoring of portfolio for control over credit costs.Presentation of Regional portfolio including cuts to Senior ManagementStrategic 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 ReviewsTravel 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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