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1 Prepare/amend the note / financial model with correct information (gathered via business team / public domain / other resources)
2 Prepare the credit note comprising of the detailed transaction structuring/ assessment with a focus on the assessment part of the sought credit facility
3 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
4 Meet customers (retail & strategic) at regular intervals to understand various industry & markets
5 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
6 Control & Monitoring of Post Disbursement Documents â€Invoice, Insurance & RC by way of interaction with sales and customers
7 Managing portfolio to meet the requisite quality of documentation, post disbursal documents and delinquency levels
8 Working on projects/process improvements from time To time
9 Critically evaluate the transaction risk, business & Financial risk of the borrower as well as industry risk involved in any given industry
10 Identify relevant and associated risk as aforementioned and to submit appropriate mitigate against each
11 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
12 Prepare the Credit Note comprising of structure of the transaction and view of credit, detailing risk and mitigants
13 Detailed financial appraisal covering the business model, working capital cycle, profitability etc
14 Development of market intelligence by engaging with the people in other banks and FIs w.r.t. their policies, focus area, portfolio health
15 Identify the automation opportunities in existing processes, new product development
16 Quality of Credit Underwriting
17 Raise early warning signals for exit of stress accounts and take due measures for timely exit
18 Ensure minimal audit queries including RBI and statutory audits and resolve the same within prescribed timelines
19 Through market knowledge of CE /CV market practices
20 Active involvement in customer visit
21 Regular MIS on market intelligence.
Qualifications -
Minimum Degree: MBA/PGDBA/PGPM/ CA or Equivalent.
Tata Asset Management Limited (TAM) is the Investment Manager to Tata Mutual Fund. Our origin stems from a much respected and internationally acclaimed industrial house – the Tata Group – whose business philosophy has made our country and its people partners in the wealth creation process. Our heritage invokes "trust" among consumers, employees, shareholders and the community alike. Though a great heritage is obviously something to cherish, we also seek to carry that legacy through a set of well defined and time tested globally accepted business practices. Being part of the Tata group, we are well known for our strong adherence to highest standards of ethics and fairness in all our business dealings.
TAM manages funds across the entire risk-return continuum. These include equity funds, balanced funds and debt & money market oriented funds. The company provides investment management, risk management and advisory services to institutional, intermediary and individual investors.
Job ID: 145733723
