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Area Credit Manager-CEQ-Credit Appraisal-Ahmedabad - Navrangpura-M4-M6*

Date Posted: Sep 03, 2026
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Job Detail

  • location_on
    Location Ahmedabad, Gujarat, India
  • desktop_windows
    Job Type: Full Time/Permanent
  • schedule
    Shift:
  • analytics
    Career Level:
  • group
    Positions:
  • calendar_view_day
    Experience:
  • male
    Gender: No Preference
  • school
    Degree:
  • calendar_month
    Apply Before: Nov 15, 2026
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Job Description

Area Credit Manager - CEQREPORTS TO (SOLID & MATRIX): Position Grade: M4/M5Business Unit: SMEDepartment: CreditSub Function: CEQLocation: Number of Positions: Single/ MultiplePosition Type: Full Time

Job Purpose

Direct Reports (Position Title)

Resources
  1. 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.
  • Customer meetings for industry and market understanding.
  • 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  

Source: Tata Capital careers — Read the original posting and apply

This role is listed by the employer on its own careers site. Kaam Ki Khoj does not process applications for it.

Company Overview

Tata Capital
Tata Capital · Mumbai, Maharashtra, India
1,520 open roles

Tata Capital is an employer in the Banking/Financial Services/Broking sector with operations in India. This is a directory listing maintained by Kaam Ki Khoj so that candidates can find the organisation; it is not an official company page and Kaam Ki... Read More

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