Bhubaneswar Orissa Credit analyst Jobs – 2 Open Jobs Today

Area Credit Manager- CEQ Finance - Credit Appraisal-Bhubaneshwar - Samantarapur-JM
TATA Capital —Bhubaneswar, Odisha
- Full-time
- Master's degree
- Business Administration
- MBA
Loan Officer - Micro Finance - Bhubaneshwar - Samantarapur - J-Grades
TATA Capital —Bhubaneswar, Odisha
- Full-time
- Bachelor's degree

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Area Credit Manager- CEQ Finance - Credit Appraisal-Bhubaneshwar - Samantarapur-JM

TATA Capital -
Bhubaneswar, Odisha

Apply Now

Job details

Full-time

Qualifications

Master's degree
Business Administration
MBA
Financial acumen

Full job description

Area Credit Manager - CEQ REPORTS TO (SOLID & MATRIX): Position Grade: M4/M5 Business Unit: SME Department: Credit Sub Function: CEQ Location: Number of Positions: Single / Multiple Position Type: Full Time

Job Purpose

Direct Reports (Position Title)

Resources

The objective of the role is to ensure vigorous credit underwriting, monitor delinquencies, and enhance market intelligence. This involves preparing credit notes, conducting client visits, and analysing transaction risks. The role also includes identifying automation opportunities, minimizing audit queries, and staying updated on market practices to facilitate informed decision-making.

Team Size

Direct: 3

Indirect Team Size (Onrolls): 3

Financial Resources

Book Size: INR XX

Net interest income:

Main Accountabilities

Qualifications & Experience

Minimum Degree: MBA/PGDBA/PGPM/ CA or Equivalent
Minimum Years/type of experience: 5 - 9 years in Banks/FIs

Competencies:

Speed
Meritocracy
Leadership Effectiveness
Customer Focus
Tech Quotient
Sustainability
Adaptability
Influence
Collaboration
Integrity
Resilience
Agility
Decisiveness
Risk management
Financial acumen

Functional Competencies

TCL shall populate as per the existing grid

Key Decisions taken

Amendment of credit notes and financial models.
Preparation of detailed credit notes.
Interaction with collections and sales teams for delinquency tracking.

Prepare/amend the note / financial model with correct information (gathered via business team / public domain / other resources)
Undertake regular interaction with collections / sales to track delinquencies Study delinquent cases with a view to derive learning and sharing the same with the team
Meet customers (retail & strategic) at regular intervals to understand various industry & markets
Control & Monitoring of Post Disbursement Documents –Invoice, Insurance & RC by way of interaction with sales and customers
Managing portfolio to meet the requisite quality of documentation, post disbursal documents and delinquency levels
Working on projects/process improvements from time To time
Development of market intelligence by engaging with the people in other banks and FIs w.r.t. their policies, focus area, portfolio health
Identify the automation opportunities in existing processes, new product development
Quality of Credit Underwriting
Raise early warning signals for exit of stress accounts and take due measures for timely exit
Ensure minimal audit queries including RBI and statutory audits and resolve the same within prescribed timelines
Active involvement in customer visit
Regular MIS on market intelligence

JD Written by

JD Approved by

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credit analyst jobs in bhubaneswar orissa

Area Credit Manager- CEQ Finance - Credit Appraisal-Bhubaneshwar - Samantarapur-JM

Loan Officer - Micro Finance - Bhubaneshwar - Samantarapur - J-Grades

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