Credit Manager - UCV Finance - Motor Finance - Credit - Bikaner - Samta Nagar - (M1-M3) na Tata Capital Limited

Key Objective of the Job:

To ensure the effective management and supervision of credit operations across branches, including conducting due diligence on funding proposals, implementing credit policies, maintaining portfolio quality, providing training, managing a team, and staying updated on market trends to inform underwriting decisions. Additionally, the role involves regular audits, addressing audit queries, and fostering coordination with other financial institutions.Top of Form

Key Deliverables:

•  Timely due diligence of the funding proposals of the branches
•  Ensuring the Credit policy implementations
•  Managing and supervising FI agency/ valuation agency operations
•  Ensuring quality portfolio of the branches within the set parameters 
•  Conducting training for FI/Channels and cross verticals at regular intervals
•  Visiting Channels/ Branches and customers at regular intervals
•  Handling a team of Credit Managers and associates
•  Providing market feedback through fieldd visits and networking with Credit counterparts of competition
• Providing inputs for localized schemes based on market dynamics and delinquency studies
•  Audit of files and Process and taking corrective measures
•  Complying to audit Queries
•  Keep track on performance of self and drive the team to enable positive results on KPIs
•  Communicate & Maintain co-ordination with other financers to stay updated on financing traits, market understanding, customer feedback, new schemes launch which helps in underwriting

Education Qualification: 

MBA/CA/ICWA/CS/M.com/B.com (Hons)

Specialized job competencies:

Functional Competencies

• Credit Analysis 
• Analytical & Accuracy Skill
• Understanding of Lending Procedures 
• Credit Risk Assessment 

Behavioral Competencies

• Execution Excellence
• Customer Centricity
• Fostering Synerygy
• People Leadership
• Strategic Orientation

Hiring Parameters:

• Should have Direct or CFT experience in Credit/Operations/Sales/Collections
• Should have knowledge of local market 
• Good Communication & Negotiation Skill will be added advantage
• Ability to work under pressure
• Should have problem Solving Skill