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Area Credit Head

Aditya Birla Group — Lucknow, LUCKNOW

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Experience 3-10 Years yrs
Age 21-35 yrs
Gender Both
Salary Not Disclosed LPA
Department Sales Loans
Product Loans

Job Description

 

Key Result Areas  (Max 1325 Characters)

Supporting Actions (Max 1325 Characters)

Portfolio Management

  • Regularly Review & Monitor the Portfolio of the region. Bring in the expertise of identifying the grey areas which need immediate attention of the management. Track the movement of the portfolio is in-line with management mandate.
  • Quality is measured by delinquency, bounce rates, loss numbers, RCR and File quality scores are key deliverables

Business & Financial Management

  • ·       Calibrate the capacity plan in line with business needs
  • ·        Identify and act upon various risk arising out of credit/process activities
  • ·       Risk mitigation- bureau/rating agencies/collection reports to be reviewed
  • ·       Do periodical stress tests to ensure necessary actions are taken in markets having sharp        movement in real estate prices
  • ·       Track and react to external influence on portfolio Bureau/rating agencies 

Customer Focus

  • ·       Take decisions which are aligned to the management directive keeping customer in mind
  • ·       Bring in the efficiency in the system by enabling decisions being taken within defined timelines
  • ·       Understand the Prime LAP business in smaller towns       say tier 3 – 4 markets

People/Team Management

  • Effective training and timely communication of policy & underwriting standard
  • ·       Manage and supervise direct reports with continuous engagement on portfolio performance, process controls and supervisory review
  • ·       Interaction with business and allied teams to incorporate changes

Strong interpersonal skills to manage team size of 10+ risk managers

Capable to mentor 3 - 4 middle layer Managers towards progressive career path

Productivity Management & Improvement

  • Productivity and its management is the key deliverable
  • Quality is measured by no of files managed on monthly basis
  • Initiatives for improving the productivity at every level is also one of the key deliverables

 

Frequently Asked Questions

What are the eligibility criteria for the Area Credit Head job at Aditya Birla Group?

Eligibility typically includes the qualifications and experience outlined in the job description above, with around 3-10 Years years of relevant experience expected for this role.

What are the primary responsibilities of a Area Credit Head at Aditya Birla Group?

The key responsibilities for this role are detailed in the Key Responsibilities section above, covering the core duties expected of a Area Credit Head at Aditya Birla Group.

Is prior experience required for this position?

This role requires around 3-10 Years years of relevant experience, as specified in the job listing. Please refer to the Qualifications & Experience section above for full details.

What skills are important for this role?

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.

How do I apply for the Area Credit Head role at Aditya Birla Group?

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.