Credit Manager

18 hours ago

Navi Mumbai, Maharashtra, India Tata Capital Full time US$ 60,000 - US$ 1,20,000 per year

Role & responsibilities

To underwrite and manage the portfolio in assigned branch/location

Responsibilities:

  • Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities.
  • Under write proposals as per the laid down policies & procedure to honor the agreed SLAs and manage city/area business volumes.
  • Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits.
  • Assess income to obligation ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance during the loan tenure.
  • Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same.
  • Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties
  • Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems
  • Exceed service quality standards and strive for continuous process improvement
  • Undertake critical review of the credit proposals with a view to bring out the industry, business, financial, management and facility structure risk contained in the credit proposal.
  • Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal.
  • Enable quick turnaround time of credit lending proposals for the business in close liaison with the sales team.
  • Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable.
  • Facilitate critical review and documentation of the proposals and effectively monitor the client & collateral creditworthiness from the pre-sanction to post disbursement phase & undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal & documentation norms & policies
  • Manage the credit underwriting function of his/her branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team.

Preferred candidate profile

Qualifications:

CA with minimum 2 years of experience

or

MBA in Finance with 3-4 years of relevant experience in LAP underwriting

  • Chief Credit Officer

    18 hours ago

    Mumbai, Maharashtra, India SME CREDIT CHECK PVT. LTD. Full time ₹ 9,00,000 - ₹ 12,00,000 per year

    Role Overview:SME Credit Check is seeking an experienced and strategic Chief Credit Officer to lead our credit risk management, policy development, and credit operations. The ideal candidate will have a strong background in assessing credit risk, managing lending portfolios, and ensuring regulatory compliance to support our SME-focused credit services.Key...

  • Manager-Credit Research

    6 days ago

    Navi Mumbai, Maharashtra, India Sutherland Full time ₹ 1,20,000 - ₹ 1,50,000 per year

    Description:Sutherland is looking for candidates to join its Credit Research team in the High Yield space. As part of the team, the candidate will work with global asset managers and alternative investment firms to maximize the return potential of high yield investments while also collaborating with the larger Credit Research teamThe role is a blend of Team...

  • Credit Saison

    3 weeks ago

    Mumbai, Maharashtra, India Credit Saison Finance Pvt Ltd Full time

    About Credit Saison:Established in 2019, CS India is one of the country's fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting...

  • Credit Manager

    3 weeks ago

    Mumbai, Maharashtra, India AnandRathi Full time

    Job DescriptionAnand Rathi share and stock brokers limited is looking for Credit Manager to join our dynamic team and embark on a rewarding career journey.Credit Analysis: Assessing the creditworthiness of potential borrowers by analyzing their financial statements, credit history, and repayment capacity.- Risk Assessment: Evaluating the level of credit risk...

  • Credit Executive

    6 days ago

    Navi Mumbai, Maharashtra, India Strong Business Solutions Full time ₹ 9,00,000 - ₹ 12,00,000 per year

    Credit Executive: Responsible for evaluating credit applications, assessing customer creditworthiness, managing credit limits, ensuring timely collections, and minimizing credit risk while maintaining strong client (e.g., finance, retail, NBFC, etc.)

  • Credit Manager

    20 hours ago

    Mumbai, Maharashtra, India Ratnaafin Capital Full time ₹ 9,00,000 - ₹ 12,00,000 per year

    Designation- Credit ManagerRole & responsibilitiesReview and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities.Under write proposals as per the laid down policies & procedure.Conduct personal discussion with customers to establish credit worthiness and...

  • Credit Manager

    1 week ago

    Mumbai, Maharashtra, India Tata Capital Full time ₹ 9,00,000 - ₹ 12,00,000 per year

    To underwrite and manage the portfolio in assigned branch/locationResponsibilities:Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities.Under write proposals as per the laid down policies & procedure to honor the agreed SLAs and manage city/area...

  • Credit Controller

    2 weeks ago

    Navi Mumbai, Maharashtra, India Total Group Full time ₹ 6,00,000 - ₹ 12,00,000 per year

    Role & responsibilitiesPrepare and analyze monthly credit control reports and targetreports to track payment progress and identify issues.Evaluate new credit requests, conduct client credit checks, and setup credit terms for new clients.Liaise with customers and sales teams to resolve overdue invoicesand negotiate payment plans.Manage and collect debts,...

  • Credit Manager

    4 weeks ago

    Mumbai, Maharashtra, India Tata Mutual Fund Full time

    Job DescriptionJob DescriptionTo underwrite and manage the portfolio in assigned branch/locationResponsibilities:Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities.Under write proposals as per the laid down policies & procedure to honor the...

  • Credit Manager

    1 week ago

    Mumbai, Maharashtra, India Tata Capital Full time ₹ 9,00,000 - ₹ 12,00,000 per year

    To underwrite and manage the portfolio in assigned branch/locationResponsibilities:Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities.Under write proposals as per the laid down policies & procedure to honor the agreed SLAs and manage city/area...