Manager - CAD - SME Finance - Credit - Indore - M.G Road (TCFSL) - JM

5 days ago

Indore, Madhya Pradesh, India Tata Capital Full time ₹ 12,00,000 - ₹ 36,00,000 per year
Description

Job Purpose :

The objective of the Manager - Credit Administration is to oversee and manage all aspects of credit administration processes, ensuring accuracy, compliance, and efficiency. This role involves issuing sanctioned letters, verifying pre-disbursal documents, coordinating with operations, managing security perfection, monitoring post-disbursal documents, generating MIS reports, and driving process mapping and improvement initiatives to support the business.

Main Accountabilities :

1.Issuance of Sanctioned Letters:

•   Prepare and issue sanctioned letters to clients, outlining the terms and conditions of credit facilities.
2.Pre-Disbursal Document Verification:

•   Verify and validate pre-disbursal documents and documentation for accuracy and completeness.

•   Coordinate with the operations department for data input and file maintenance.
3.Security Perfection and Charge Creation:

•   Ensure the proper perfection of security and the creation of appropriate charges for assets securing the credit facility.

•   File necessary documentation with the Registrar of Companies (ROC) as required.
4.Document Maintenance and Updation:

•   Maintain an organized record of all credit-related documents and ensure they are kept up-to-date.

•   Monitor and manage document expiration and renewals.
5.Post-Disbursal Document Follow-up:

•   Supervise the follow-up process for post-disbursal documents (PDD) from clients.

•   Maintain records of PDDs and ensure their completeness.
6.Deferral MIS:

•   Prepare Management Information System (MIS) reports related to deferral cases.

•   Track and report on deferral conditions in line with sanction terms.
7.Security Creation and Follow-up:

•   Oversee the process of creating security instruments and follow up to ensure timely completion.

•   Maintain records of security creation and compliance.
8.MIS on Revenue Leakages:

•   Generate MIS reports to identify revenue leakages as per sanction conditions.

•   Implement corrective actions to minimize revenue losses.
9.Process Mapping and Improvement:

•   Map credit administration processes, identify areas for improvement, and develop process enhancement initiatives.

•   Collaborate with teams to implement process improvements to enhance efficiency and compliance.

Qualifications  -  Minimum Degree: MBA in Finance/ CA

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