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Core result areas
Assisting Actions
4) 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)
Underwriting and Portfolio Quality Management
Execute risk and credit operations for basic transactions assigned, in adherence with defined frameworks and principles across ABHFL business lines
Seek guidance from seniors proactively and gather insights on technical aspects as well as state/ property specific considerations for effective risk assessment of individual cases
Liaise with relevant Legal, Technical and other verification vendors for Legal-Technical evaluations and clarifications in complex cases, as required
Monitor the bounce rates as per threshold limits.
Process Efficiency
Execute risk operations efficiently and in a manner that enables business performance while making sure risk management imperatives
Collaborate seamlessly with Credit Processing Analysts to make sure case files are logged appropriately before proceeding to initiate credit operations
Work as per process-driven coordination mechanisms with Sales and Operations teams for effective decision making and problem solving in line with business and risk management needs; escalate to RCM as required.
Effectively overseeing external vendors to make sure quality of reports & TAT
Efficiently track Cost and make sure they are within budgeted levels.
Make sure accurate data capture in LOS and sustain high quality of documentation.
Make sure collection of Post disbursal documents within assigned time frame.
Risk Compliance & Control
Make sure compliance with established risk management principles and norms; compile periodic and need based MIS, reports, escalation case documents, etc.
Conduct local risk operations in line 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.
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
Escalate specific/ complex cases, as required, to RCM for recovery and delinquency/ NPA avoidance
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 Regional/Zonal Risk Head.
Self-Development & Internal Stakeholder Coordination
Seek development to execute better risk assessment and loan underwriting via technical skill-up (e.g. proficiency on legal & technical documents, property business practices & norms, etc.) and role clarity
Sustain relationships with internal stakeholders for smooth coordination on complex/ escalation/ exception cases
This opening is for the ABHFL - Sr. Sales Manager - Direct - Informal - Bhubaneswar position in Orissa.
Eligibility typically includes the qualifications and experience outlined in the job description above, with around 3-8 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 - Sr. Sales Manager - Direct - Informal - Bhubaneswar at Aditya Birla Group.
This role requires around 3-8 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.