Tata Capital/ RCM-Large Corporate/ Mumbai

Key Objective of the Job:

To handle responsibilities mapped to profile of Regional Credit Manager.

-       Review and Evaluating large Corporate proposals within stipulated timelines

-       Underwriting and structuring transactions by reviewing Business, Financial, Industry and Management related risks

-       Review and negotiations of covenants, structure related inputs, for mitigating transaction related risks

-       Provide inputs related to policy, SOP, regulatory norms, taxation, legal aspects and laws.

-       Portfolio level risk mitigation, maintaining portfolio quality and health, customer visits, market intelligence

-       Driving projects related to Credit related automation, digital processes and AI implementation

-       Adequately identify and articulate the risks and respective mitigates along with the sanction conditions/ recommendation.

Major Deliverables:

• To review and underwrite transactions of High ticket size and provide inputs on key risks, strengths and covenants.
• Critically evaluate the transaction risk, business & Financial risk of the borrower as well as industry risk involved in any given industry.
• To Identify relevant and associated risk as aforementioned and submit appropriate mitigate against each.
• Manage team members and deliver organization objectives

Specialized job competencies:

• Deep understanding of large Corporates, business groups, products including structured products, Industries
• Assessment of financials across industries, nuances of regulations, taxes, legal matters impacting the transaction
• Excellent articulation of key transaction risks
• Ability to negotiate key terms, covenants
• Team management

Desired Experience:

-       Preferably having relevant experience of 10+ yrs

-       Relevant underwriting experience in Large/Mid corporate segment comprising of evaluating high ticket size exposures.

Other desired attributes:

Excellent communication skills, Team management capabilities, Good Attitude and willingness to learn & impart trainings