Credit Manager - Secured Business Loans (Micro LAP)

Tata Capital Ltd is looking for Credit Manager - Secured Business Loans (Micro LAP) to join our dynamic team and embark on a rewarding career journey

• Credit Analysis: Assessing the creditworthiness of potential borrowers by analyzing their financial statements, credit history, and repayment capacity
• Risk Assessment: Evaluating the level of credit risk associated with different borrowers and determining appropriate credit limits and terms
• Credit Policy: Developing and implementing credit policies and procedures to ensure consistency and compliance with internal guidelines and industry regulations
• Credit Underwriting: Approving or declining credit applications based on the risk assessment and established criteria
• Credit Monitoring: Monitoring the credit performance of existing borrowers and taking proactive measures to address potential delinquencies or defaults
• Debt Recovery: Overseeing debt collection efforts and working with collection agencies if necessary to recover outstanding debts
• Customer Relationship Management: Building and maintaining relationships with customers or clients to understand their credit needs and address any credit-related concerns
• Credit Reporting: Reporting on credit-related metrics and performance to senior management or relevant stakeholders
• Collateral Management: Evaluating and managing collateral provided by borrowers to secure credit facilities

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