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Tata Capital Financial Services Limited

Tata Capital Limited is a subsidiary of Tata Sons Limited. The Company is registered with the Reserve Bank of India as a Systemically Important Non Deposit Accepting Core Investment Company and offers through itself and its subsidiaries fund and fee-based financial services to its customers. Tata Capital Financial Services Limited ("TCFSL") is a subsidiary of Tata Capital Limited. The Company is registered with the Reserve Bank of India as a Systemically Important Non Deposit Accepting... Read More

Address      Dr. V.B. Gandhi Marg, Fort, Mumbai 400 001, India.
Website      www.tatacapital.com
Holding      No Holding Details

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Manager /senior Manager - Risk

Establish a sound knowledge base of the rural and micro finance sector and related credit policies and process controls. Introduce best practices in the sector based on benchmarking with competition and tracking key market related parameters. Introduce innovative and niche products to suit organizations risk appetite and help grow the book with good book quality. Monitor and report the portfolio under management to senior management MD/ CFO/ Board/ Various committees/ Risk Reviews etc Develop and monitor adherence of credit policies and triggers in the organization through process audit, process walk through etc Act as a liaison between the business partner and TCFSL and regulators Impart training on credit policies, processes for respective product users Develop various MIS and support tools to facilitate improvement efficiencies in collections, credit, sales etc Credit underwriting of select high risk/ high value deals Coordinate with Business Intelligence Team to bring out the best use of data to facilitate business, like scorecards, micro segmentation, loss projections, early warning indicators etc Desired Profile Monitor and ensure adherence of the business arrangements like credit costs, regulatory requirements etc Portfolio monitoring ( including Risk Analytics) Create dashboards & metrics for monitoring the portfolio Tracking portfolio behavior & forecasting trends Using risk management tools to analyze the portfolio Ensure adherence to triggers / controls as specified from time to time Create MIS on a monthly basis and send relevant reports to senior management Monitoring portfolio mix and recommending changes in the portfolio focus Policy/ Product & scheme development Development of policies & amendments according to the changing business environment & business goals Scheme formulation at regular intervals based on portfolio behavior , industry trends & market dynamics Ensure that the objective of maximizing business while optimizing risk is always achieved - Benchmarking best practices in the industry and incorporating the same in business through constant innovations - Visit markets to understand the local practices and possible challenges and incorporate those learnings in the product/ process improvements. Monitor and report adherence of credit policies Conduct regular process and policy reviews Impart regular training to product users on various credit/ risk parameters Incorporate learnings through innovative product and process innovations Trainings Impart regular policy and process related trainings to credit and sales teams Credit Underwriting Underwriting high risk/ high value deals Incorporate learnings from underwriting into policy/ products Specialized Job Competencies In depth knowledge of the industry , market ,performance & trends of the industry Relevant experience in the rural/ micro finance lending sector Knowledge on fundamentals of finance & financial ratios Local industry practices. Clear understanding of systems & processes Financial Analysis Analytical skills - Proven ability to analyze and improve work processes and policies Logical reasoning & quantitative skills Good judgment & problem solving skills Inter personal skills Ability to handle pressure and communicate decisions clearly to the sales team Good industry network to understand the methods being adopted by other NBFCs / banks Educational Qualification PG preferably CA/ MBA. Desired Experience 4 to 6 years experience in NBFC or banks with experience in Risk/ Credit underwriting or related profiles. Other Desired Attributes Good communication skills Matured thinking and ready to learn Team player Experience 4 - 6 Years Industry Type Banking / Financial Services / Broking Role Head/VP/GM-Credit Risk

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