Manager - Retail Credit - Credit - Housing - DM - Bengaluru - Kengeri - JM
BengaluruFull-timeMid levelPosted 2 weeks ago
Mid-level retail role at Tata Capital in Bengaluru. Needs a CA or MBA.
About the role
To underwrite mortgage business and manage the portfolio in assigned branch/location
What you'll do
- 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 honour 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
- Assess income to obligation ratios, loan to value ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance over long tenures
- Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same
What you need
- Sales
- MIS reporting
- KYC
- Credit risk
- Credit appraisal