| Job Title | Manager – Retail Credit – Credit – Housing – DM – Pune – Avaanti Residences & Premium Commercial Space – JM |
| Job ID | 30463 |
| Organization | Tata Capital |
| Location | Pune, Maharashtra, India |
| Department | Retail Credit – Housing Finance |
| Role Objective | Underwrite mortgage business and manage the credit portfolio for the assigned branch/location. |
| Key Responsibilities | Assess and underwrite complex loan applications; Conduct customer discussions & credit verification (KYC, field, telephonic, collateral visits); Evaluate financial ratios (FOIR, LTV, etc.); Maintain Portfolio & Delinquency MIS; Identify risk in credit proposals; Ensure collateral risk mitigation; Enable quick TAT for home loans & LAP; Monitor exposures from pre-sanction to post-disbursement; Ensure legal & policy compliance; Coordinate with credit analysts & sales team; Follow up on early delinquency (12–18 MOV). |
| Products Handled | Home Loans, Loan Against Property (LAP) |
| Qualification | Graduate / Masters / Post Graduate |
| Preferred Certification | CA / MBA |
| Core Skills | Credit underwriting, Risk assessment, Mortgage evaluation, Financial analysis, Portfolio monitoring, Compliance management |
| Posting Date | 04/03/2026 |
| Application Deadline | 31/03/2026 |
| Job Schedule | Full-time |
| Work Location Address | 1st Floor, Unit No. 15 & 30, Avaanti Residences & Premium Commercial Spaces, Tilak Road, Shukrawar Peth, Pune – 411002, Maharashtra, India |
