Chat us
Call us
Job Purpose Description
Job Context / Job Challenges:
The Risk team provides core underwriting services fundamental to the ABHFL business health, risk management and sustainability. Structured as a dual to the Sales/ Sourcing team, with positions mapped against corresponding Sales roles across the organization, the Risk team is responsible for necessary controls and process checks to ensure business performance and health. While the core responsibility for this function is to control the business via robust underwriting and risk management, supporting business expansion via joint evaluation of different product/ market growth proposals with the Sales team is also an important contribution.
Key Challenges
While the ABFL Mortgages team also works with retail customers in the property space, the ABHFL business is exposed to the additional Construction Risk, i.e. risk from under construction projects not getting completed as planned. The Risk Team must factor for this when designing and executing control mechanisms and evaluating business proposals. ABHFL is in its inception phase as a company and in the midst of rapid growth. The Risk function must therefore be able to balance priorities of risk management and business growth efficiently, without increasing sub-prime exposures or impacting business health and sustainability.
| KRA (Accountabilities) (Max 1325 Characters) | Supporting Actions (Max 1325 Characters) | |
|---|---|---|
| KRA1 | 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 |
| KRA2 | Process Efficiency | Coordinate seamlessly with Credit Processing Analysts to ensure case files are logged appropriately before proceeding to initiate credit operations |
| KRA3 | Risk Compliance & Control | 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. |
| KRA4 | Collection Efficiency | Monitoring of delinquent portfolios. Liaison with key delinquent customers and support collections team for resolutions of all cases |
| KRA5 | Self-Development & Internal Stakeholder Coordination | Maintain relationships with internal stakeholders for smooth coordination on complex/ escalation/ exception cases |
Eligibility typically includes the qualifications and experience outlined in the job description above, with around 2-4 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 Credit Manager at Aditya Birla Group.
This role requires around 2-4 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.