| Job Title | Manager – Retail Credit (Housing) |
| Grade | JM (Junior Management) |
| Job ID | 42359 |
| Company | Tata Capital |
| Location | Warangal |
| Office Address | Lopamudra Arcade, Naim Nagar, Hanamkonda, Warangal, Telangana – 506001 |
| Job Type | Full Time |
| Posting Date | 02 March 2026 |
| Apply Before | 01 March 2027 |
| Qualification | Graduate / Masters / Post Graduate |
| Preferred Certification | CA or MBA |
| Department | Credit – Housing Finance |
| Role Objective | Underwrite mortgage loans and manage credit portfolio for the assigned branch |
| Key Responsibilities | Review complex loan applications, assess borrower creditworthiness, conduct customer discussions and verifications, analyze income-to-obligation and loan-to-value ratios, manage portfolio & delinquency MIS, coordinate with sales and analysts, ensure compliance with credit policies |
| Products Handled | Home Loans and Loan Against Property (LAP) |
| Risk Management | Evaluate collateral, mitigate credit risk, monitor loan exposure from pre-sanction to post-disbursement |
| Stakeholder Interaction | Sales Team, Credit Analysts, Customers, Third-party partners |
| Performance Focus | Credit underwriting accuracy, turnaround time, portfolio quality, and recovery of early delinquency cases |
