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) Core result areas:
Write
the key results expected from the job and the assisting actions for each of these core result areas (For a majority of jobs typically there could be 4- 7 core result areas)
Core result areas
Assisting Actions
Underwriting and Portfolio Quality Management
Implement and oversee execution of regional risk and credit operations in adherence with defined frameworks and principles across ABHFL business lines
Liaise with relevant stakeholders (Sales, Operations) and escalate appropriately for efficient coordination and decision making on specific proposals/ escalation cases
Communicate with and guide group members on specific cases/ exceptions, delivering insights on technical aspects as well as state/ property specific considerations for effective risk assessment
Evaluate and approve proposals as per defined approval matrix and assist group members on specific approval cases as required.
Monitor the bounce rates and portfolio delinquency buckets as per threshold limits and report early defaulters
Make sure collection of Post disbursal documents within assigned time frame.
Process Efficiency
Drive process efficiency through the group across different risk operations, acting as a business enabler without compromising on risk management imperatives
Work as per and guide group members towards process-driven coordination mechanisms with Sales and Operations teams for effective decision making and problem solving in line with business and risk management needs
Intervene in escalation/ exception cases, liaising as required with stakeholders in Sales and Operations teams and escalating to Zonal Head – Risk if required
Effectively overseeing external vendors to make sure quality of reports & TAT
Efficiently track Cost and make sure they are within budgeted levels.
Risk Compliance & Control
Make sure compliance with established risk management principles and norms via periodic and need based reviews of relevant MIS, reports, escalation case documents, etc.
Make sure regional operations are aligned with defined 'Maker – Checker' mechanism with Sales and Operations teams in a systematic manner, across key aspects such as exception approvals, collateral valuation, PDD completion, cheque bounce collections, etc.
Make sure minimal critical observations in Audit and also to make sure all observations are resolved within specified TAT's.
To identify cases under early warning signals and analyse the same.
Collection Efficiency
Work in alignment with process-driven mechanisms for coordination with the Collections/ Operations group on tracking delinquency cases and driving collections efficiently and effectively
Intervene as required on specific escalation cases for recovery and delinquency/ NPA avoidance; escalate to Zonal Head – Risk as required
Monitoring of delinquent portfolios. Liaison with key delinquent clients and back up collections group for resolutions of all cases
Report fraud cases to Risk monitoring group and Zonal/National Risk Head. Cases
Business Growth and Sustainability
Work in partnership with Sales and Operations colleagues on case-based decision making, and drive the same partnership orientation down the line as well
Group & Internal Stakeholder Management
Guide and establish group members to facilitate better risk assessment, underwriting capabilities and internal stakeholder management via technical skill-up (e.g. proficiency on legal & technical documents, property business practices & norms, etc.) and help them reach superior performance standards & productivity levels
Nominate teams for relevant technical and behavioral trainings/ seminars and work on self-development initiatives
Sustain relationships with internal stakeholders for smooth cross-functional coordination and alignment towards achievement of function and business objectives
Group & Internal Stakeholder Management
Guide and establish group members to facilitate better risk assessment, underwriting capabilities and internal stakeholder management via technical skill-up (e.g. proficiency on legal & technical documents, property business practices & norms, etc.) and help them reach superior performance standards & productivity levels
Nominate teams for relevant technical and behavioral trainings/ seminars and work on self-development initiatives
Sustain relationships with internal stakeholders for smooth cross-functional coordination and alignment towards achievement of function and business objectives
This opening is for the ABHFL - Regional Credit Manager - Informal - Bhopal position in Bhopal..
Eligibility typically includes the qualifications and experience outlined in the job description above, with around 6-10 Years years of relevant experience expected for this role.
The key responsibilities for this role are detailed in the Key Responsibilities section above, covering the core duties expected of a ABHFL - Regional Credit Manager - Informal - Bhopal at Aditya Birla Group.
This role requires around 6-10 Years years of relevant experience, as specified in the job listing. Please refer to the Qualifications & Experience section above for full details.
Skills relevant to this position are outlined in the Qualifications & Experience section above. In general, strong communication, domain knowledge, and the ability to meet role-specific targets are valued across similar BFSI positions.
You can apply directly using the Apply Now button on this page, which will take you to Aditya Birla Group's application process for this role.