Area Credit Manager

2 weeks ago

Delhi, Delhi, India Tata Capital Full time ₹ 12,00,000 - ₹ 36,00,000 per year
Description

Credit Portfolio Oversight:

  • Assume responsibility for the continuous monitoring and management of Emerging Corporate 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 actual outcomes against initial projections.
  • Engage with business/client teams to address discrepancies, formulate corrective action plans, and enhance overall performance.

Stakeholder Engagement:

  • Establish and maintain robust channels of communication with clients and strategic partners.
  • Serve as a bridge between the credit team and client teams to facilitate the seamless flow of information, promptly address concerns, and foster collaboration.

Reporting and Analysis:

  • Generate regular and comprehensive reports that provide a detailed view of portfolio performance, risk profiles, and emerging trends.
  • Offer incisive and data-driven insights to senior management, enabling informed decision-making based on the analysis of portfolio data.
  • Uphold rigorous standards of record management to support transparency, accountability, and audit readiness.
  • Maintain a vigilant eye for opportunities to enhance the efficiency and effectiveness of credit monitoring processes.
  • Actively participate in the development and implementation of industry-leading best practices for credit monitoring within the organization.

Cross-Functional Collaboration:

  • Foster collaborative relationships with various internal functions, including Risk, Legal, and Operations, to holistically address portfolio-related challenges and opportunities.
  • Promote synergy among different departments to maximize the overall effectiveness of credit monitoring efforts.

Risk Management:

  • Proactively identify, evaluate, and categorize risks associated with the credit portfolio, encompassing financial, operational, and market-related dimensions.
  • Collaborate closely with the credit team to devise and implement comprehensive risk mitigation strategies tailored to specific industries.
  • Maintain rigorous adherence to the Credit Monitoring Policy and its associated procedures, ensuring that monitoring protocols remain aligned with the policy's stipulations.

Take a proactive role in refining and evolving monitoring procedures to adapt to changing industry dynamics.

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