Manager - Retail Credit - Credit - Housing - EM - Durg - Uplabdhi Plaza - JM
Company: Tata Capital
Role summary
Manager - Retail Credit - Credit - Housing - EM - Durg - Uplabdhi Plaza - JM is a full-time role at Tata Capital in Bhilai, Chhattisgarh, India (on-site). Posted 2026-10-17. Experience level: 5-10.
- Job title
- Manager - Retail Credit - Credit - Housing - EM - Durg - Uplabdhi Plaza - JM
- Company
- Tata Capital
- Location
- Bhilai, Chhattisgarh, India
- Work arrangement
- on-site
- Employment type
- full-time
- Category
- Retail
- Experience level
- 5-10
- Date posted
- 2026-10-17
Here's a fantastic opportunity at Tata Capital for someone looking to manage mortgage portfolios and underwrite loan applications. It's a full-time role with a clear path for growth, offering a chance to make key decisions and build relationships with customers.
Job description
10795
· To underwrite mortgage business and manage the portfolio in assigned branch/location
Core Responsibilities:
o Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities.
o Under write proposals as per the laid down policies & procedure to honour the agreed SLAs and manage city/area business volumes.
o Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits.
o 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.
o Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same.
o Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties
o Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems
o Exceed service quality standards and strive for continuous process improvement
o Undertake critical review of the credit proposals with a view to bring out the industry, business, financial, management and facility structure risk contained in the credit proposal.
o Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal.
o Enable quick turnaround time of credit lending proposals for the mortgage business comprising of loan against property, and home loan business in close liaison with the sales team.
o Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable.
o Facilitate critical review and documentation of the proposals and effectively monitor the client & collateral creditworthiness from the pre sanction to post disbursement phase & undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal & documentation norms & policies
o Manage the credit underwriting function of his/her branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team.
o Follow up and ensure recovery of quick mortality cases between 12 -18 MOV.
Qualification : Graduate, Masters/Post Graduate
Certifications : CA/MBA (Preferable)