FitTreasury, Credit & Funds
Credit Manager – Personal Loans – SMPL
Title as posted: Credit Manager - Personal Loans - SMPL - Hyderabad - Auto Plaza - JM
Tata CapitalBank / NBFC
- Location
- Hyderabad, Telangana
- Type
- Full-time
Not stated by the employer: experience, work mode, qualification, salary.
You will own underwriting and day-to-day management of the personal loan portfolio for the assigned Hyderabad branch, from application review and customer verification through post-disbursement monitoring and reporting.
About this role
Credit Manager – Personal Loans – SMPL is a full-time Treasury, Credit, Payroll & Fund Ops role at Tata Capital, a bank / NBFC, based in Hyderabad. FitRole found it on the employer's own careers site or job board and last confirmed it was live on 14 Nov 2026.
What you'll do
- Review complex loan applications within policy, then approve or refer each case to the higher authority with a recommendation.
- Meet agreed turnaround times for proposals while managing business volumes across the city or area.
- Hold personal discussions with customers, complete credit and KYC documentation, and carry out telephonic, field, and collateral verification.
- Maintain portfolio, delinquency, and operations MIS for the cluster and report it on a regular cycle.
- Assess the credit risks in each proposal, covering industry, business, financial, management, and facility structure, and set out mitigation such as collateral.
- Review live credit exposures over time to confirm they remain bankable, and monitor client and collateral creditworthiness from sanction through disbursement.
What they ask for
- Post Graduate or Graduate degree in any discipline.
- Ability to assess income-to-obligation ratios and explain how they affect loan performance over the tenure.
Skills mentioned
Full job description as posted
Key Objective of the Job: To underwrite and manage the portfolio in assigned branch/location
Educational Qualification: Post Graduate/ Graduate in any discipline
Major Deliverables:
1. Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities.
2. Under write proposals as per the laid down policies & procedure to honor the agreed SLAs and manage city/area business volumes.
3. Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits.
4. Assess income to obligation ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance during the loan tenure.
5. Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same.
6. Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties
7. Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems
8. Exceed service quality standards and strive for continuous process improvement
9. 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.
10. Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal.
11. Enable quick turnaround time of credit lending proposals for the business in close liaison with the sales team.
12. Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable.
13. 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
14. 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.
How to apply
You apply on Tata Capital's own careers page. FitRole never forwards your CV and never asks for fees.
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