To underwrite corporate finance business and manage the portfolio in assigned area .
o Support and co-partner with business teams to manage end to end credit approval for the designated region
o Underwrite cases and present to senior level
o Authorize deviations raised and documented by underwriters in compliance with credit policy.
o Finalize review of credit memos, prepared by underwriters, and approval/ decline sign-offs on every file after checking for documentation requests.
o Approve all disbursement requests on the basis of achieved adherence to requirements on agreement value, full documentation attainment at the branch level.
o Monitor and oversee PDD management and ensure timely completion of personal discussion documents through customer visits in high value cases.
o Oversee and initiate follow-ups with external vendors (FI, Legal & Technical valuations) to ensure timely query resolution/ report submission and eliminate any undue/ non-process related delays.
o Co-ordinate with the recoveries team and generate business insights.
o Lead a team of credit approvers to ensure portfolio quality and delinquencies.
o Engage in development, implementation, review and monitoring of various credit programs and providing training and coaching to continuously upgrade the competency of the team and improving upon processing efficiency of the HUB
o Ensure due diligence in credit analysis, customer application screening, evaluation, underwriting and sanctioning of loan.
o Evolve underwriting norms customized to the local market needs and ensure continued enhancement and execution of consumer credit risk strategy.
MBA/PGDBA/PGPM/ CA or Equivalent
Founded by Jamsetji Tata in 1868, the Tata group is a global enterprise headquartered in India. The group operates in more than 100 countries across six continents with a mission 'To improve the quality of life of the communities we serve globally, through long-term stakeholder value creation based on Leadership with Trust'.
Sixty-six per cent of the equity of Tata Sons, the promoter holding company, is held by philanthropic trusts, thereby returning wealth to society. The Tata name has been respected in India for 150 years for its adherence to strong values and business ethics.
The companies of the Tata group employ the best and finest, strengthened by a culture of ethics and integrity. Today we stand strong at 702,454 employees.