Tata Capital - Area Credit Manager

Area Credit Manager ( Mid corp & Large corp Ticket size)

Job Description :

- To prepare the credit note comprising of the detailed transaction structuring/ assessment with a focus on the assessment part of the sought credit facility To perform the financial analysis in detail attending to all major movements in P&L & Balance sheet while ascertaining /citing the precise reason of such movement.To prepare the Credit Note comprising of structure of the transaction and view of credit, detailing risk and mitigants

- Undertake regular interaction with collections / sales to track delinquencies Study delinquent cases with a view to derive learning and sharing the same with the team

- Pre approval and rating of all clients with exposure more than Rs 500L Regular Training sessions for Sales / Channel Partners / Filed sales staff on the various product policies & processes

- Managing portfolio to meet the requisite quality of documentation, post disbursal documents and delinquency levels

- Working on projects/process improvements from time To time

- To be able critically evaluate the transaction risk, business & Financial risk of the borrower as well as industry risk involved in any given industry

- Development of market intelligence by engaging with the people in other banks and FIs w.r.t. their policies, focus area, portfolio health

- To identify the automation opportunities in existing processes, new product development

- To raise early warning signals for exit of stress accounts and take due measures for timely exit

- To ensure minimal audit queries including RBI and statutory audits and resolve the same within prescribed timelines

Education:

- CA or MBA only

Desired Specification:

- Strong accounting and financial reporting background