Credit Manager

1 day 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

    24 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...

  • Credit Saison

    11 minutes 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

    8 hours ago

    Mumbai, Maharashtra, India Ratnaafin Capital Full time ₹ 5,00,000 - ₹ 8,00,000 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

    7 days 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 Manager

    7 days 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 Manager

    4 days 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...

  • Senior Credit Manager

    2 days ago

    Navi Mumbai, Maharashtra, India beBeeCreditManager Full time ₹ 9,00,000 - ₹ 12,00,000

    Job OverviewManage a team of credit analysts responsible for evaluating and approving vehicle loans.About the RoleAs a seasoned professional, you will be responsible for leading a high-performing team that drives business growth through strategic credit management. Your expertise in credit analysis, risk assessment, and relationship building will be...

  • Credit Manager

    3 weeks ago

    Mumbai, Maharashtra, India Vivriti Capital Full time

    About Vivriti Group Vivriti Group is a trailblazer in the mid-market lending space, offering customized debt solutions to mid-sized enterprises.The group operates through two core businesses: Vivriti Capital Limited: A systematically important Non-Banking Financial Company (NBFC ND-SI) regulated by the Reserve Bank of India (RBI).Vivriti Capital has...

  • Credit Manager

    2 weeks ago

    Mumbai, Maharashtra, India Vivriti Capital Full time

    About Vivriti GroupVivriti Group is a trailblazer in the mid-market lending space, offering customized debt solutions to mid-sized enterprises. The group operates through two core businesses:Vivriti Capital Limited: A systematically important Non-Banking Financial Company (NBFC ND-SI) regulated by the Reserve Bank of India (RBI). Vivriti Capital has...

  • Credit Manager

    4 weeks ago

    Mumbai, Maharashtra, India Workassist Full time

    Job DescriptionWork Level: Middle ManagementCore: Result DrivenLeadership: IdeationRole: Credit Manager- Personal LoanIndustry Type: BankingFunction: Credit ManagerKey Skills: Product Manager,Credit Manager,Personal Loan,Credit Risk,Product SpecialistEducation: GraduateNote: This is a requirement for one of the Workassist Hiring Partner.Key...