Tata Capital | Area Manager - Credit Operations - Housing - Operations - Delhi - Swasthya Vihar - MM

Responsibilities

• This role will be responsible for managing Credit-Operations activities for retail mortgage loans including Home Loans, Home Equity, Affordable Housing Loans, and Digital Loans at a cluster level, covering multiple branches.
• Credit-Operations Manager will ensure 100% process adherence, quality checks in lines with credit policy, and compliance, acting as a bridge between Credit and Operations teams to ensure seamless loan processing.
• Ensuring gating rejections in line with credit policy and close monitoring on login quality.
• Ensuring timely initiation of internal reports and checks as mandated by credit policy.
• Oversee the CAM (Credit Appraisal Memo) preparation ensuring completeness and accuracy before submission to credit approvers, ensuring that key ratios are in lines with credit policy.
• Conduct final review of loan files before disbursement, ensuring all documents are in place and compliant with internal and regulatory guidelines.
• Review disbursement dockets and hand them over to the Operations team for final disbursement and payment processing.
• Ensure 100% adherence to policies and SOPs across all credit-operations processes.
• Identify and rectify process gaps to enhance efficiency and accuracy.
• Manage and resolve queries from the Hind-Sighting Team and Internal Audit, implementing corrective actions as required.
• Ensure compliance with regulatory requirements and internal controls.
• Work on Loan Origination System (LOS) and Finnone for loan processing.
• Support digital initiatives to streamline credit-operations processes and improve efficiency.
• Manage a team of Credit Processing Associates (CPAs) across branches in the assigned region.
• Ensure regular training and upskilling of CPAs to enhance process knowledge and efficiency.
• Conduct periodic performance reviews and ensure team adherence to KPIs.
• Ensuring minimal errors in loan files.
• Ensuring quick and efficient loan processing.
• Identifying and implementing improvements in workflows.
• Driving penetration of E-NACH for improved operational efficiency.
• Ensuring acknowledgment of property papers / PDDs from the credit team.
• Responsible for timely handover of PF/Balance PF Cheques to operations team and tracking clearance of cheques.
• Work cross-functionally with internal partners to develop technological solutions and to adapt and deploy new technologies to drive efficiency, correct deficiencies, and build greater consistency in processes.
• Ensuring low attrition for the team.
• Supervise and manage the login of loan applications, ensuring all documents are in place as per policy guidelines including KYC.

Requirements

• Familiarity with SFDC (Salesforce) and MS-Excel is an added advantage for tracking and reporting.
• Prioritize and manage critical projects for implementation of LOS/LMS and other technology enablement for the operating model of the HFC.
• CA / MBA (Finance) or Equivalent

Tata Capital Limited

The Tata Group's main financial services company, Tata Capital Limited, is a subsidiary of Tata Sons Private Limited. It was incorporated in 1991, has its registered office in Mumbai and operates as a non-banking financial company. It lends to individuals and to small, mid-sized and large businesses, and also offers wealth services, investment banking, private equity, leasing and clean-energy finance. Home loans come through its subsidiary, Tata Capital Housing Finance Limited. Tata Capital Financial Services, Tata Cleantech Capital and Tata Motors Finance have been merged into the company, and its shares were listed on the NSE and BSE after an initial public offering in October 2025.

Credit is the main finance area in Tata Capital's current openings: area credit managers who appraise loans to mid-sized enterprises in Bengaluru, high-value underwriters for loans against property in Mumbai, and business transformation work in retail finance. Several postings name a CA, MBA, PGDBA or PGPM as the minimum qualification, while others accept graduates in any discipline, with an MBA in finance as an advantage.

• Industry: Non-banking financial services: retail, SME and corporate lending, housing finance, wealth services, investment banking, private equity
• Headquarters: Mumbai, India (registered office at Lower Parel; a subsidiary of Tata Sons Private Limited)
• In India: Tata Capital Limited, listed on the NSE and BSE, and its subsidiary Tata Capital Housing Finance Limited; registered office in Lower Parel, Mumbai, with offices in many Indian cities; its current finance roles are in Bengaluru and Mumbai