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Quality Executive - Retail Credit, Bijnor

Tata Capital

Uttar Pradesh, IndiaOn Site

Original Job Summary

About the Quality Executive - Retail Credit, Bijnor Role

The Quality Executive at Tata Capital is responsible for ensuring strict adherence to laid down policies and procedures in credit evaluation and documentation. This role focuses on personal discussion of cases and maintaining quality in retail credit operations.

Key Responsibilities

  • Conduct personal discussions on cases per policies and procedures.
  • Adhere to agreed SLAs and timelines for assigned activities.
  • Underwrite, process disbursements, evaluate collateral, and coordinate with cross-functional sales and operations teams.
  • Protect company assets by evaluating credit requests, setting credit limits, and ensuring proper documentation and collateral security.
  • Communicate credit decisions effectively with stakeholders.
  • Improve underwriting efficiencies while managing risk.
  • Perform Loan Account Verification, KYC checks, bank passbook reviews, income and expense assessments, and compliance verifications.

Key Skills/Competency

  • Underwriting
  • Disbursements
  • Collateral Evaluation
  • Risk Management
  • Loan Verification
  • KYC
  • Compliance
  • Documentation
  • Cross-functional Coordination
  • Credit Analysis

How to Get Hired at Tata Capital

🎯 Tips for Getting Hired

  • Customize your resume: Highlight credit evaluation and underwriting skills.
  • Research Tata Capital: Understand their credit and retail operations.
  • Prepare for interviews: Review SLAs, KYC, and compliance procedures.
  • Practice case studies: Focus on retail credit scenarios.

📝 Interview Preparation Advice

Technical Preparation

Review underwriting guidelines and policy documents.
Practice KYC and document verification procedures.
Study credit analysis and risk evaluation methods.
Understand compliance requirements and SLA metrics.

Behavioral Questions

Describe past credit evaluation experiences.
Explain handling tight deadlines and SLAs.
Share an example of cross-functional teamwork.
Discuss approach to risk management challenges.