ABHFL- Credit Manager - Affordable - Jamshedpur

ABC - Aditya Birla Housing Finance Limited; Jharkhand; Vor Ort; INR 600.000 - 900.000; Vollzeit

Zusammenfassung

ABC - Aditya Birla Housing Finance Limited is seeking professionals to drive underwriting and portfolio quality management, executing risk and credit operations within defined frameworks and approval matrices. The role requires liaising with Legal, Technical and other verification vendors to obtain clearances on complex cases and to monitor bounce rates within set thresholds.

You will collaborate with Sales, Operations and Credit Processing teams to ensure accurate data capture in LOS, timely

Qualifikationen

• Experience in risk assessment and loan underwriting is preferred.
• Ability to work with legal/technical documentation and collateral valuations.

Aufgaben

• Execute risk and credit operations for assigned transactions in adherence with defined frameworks and principles.
• Evaluate and approve proposals as per defined approval matrix with guidance from seniors.
• Liaise with Legal, Technical and verification vendors for evaluations in complex cases.
• Monitor bounce rates as per threshold limits.
• Coordinate with Credit Processing Analysts to ensure files are logged and analyzed.
• Maintain data capture in LOS and ensure high-quality documentation.
• Ensure post-disbursal documents are collected within assigned time frames.
• Work with Sales/Operations for risk management and decision making; manage external vendors for reports and TAT.

Kenntnisse

Risk assessment

Credit underwriting

Vendor management

Jobbeschreibung

Key Result Areas

Supporting Actions

Underwriting and Portfolio Quality Management

• Execute risk and credit operations for assigned transactions in adherence with defined frameworks and principles across ABHFL business lines
• Evaluate and approve proposals as per defined approval matrix, seeking guidance from seniors and assisting peers on specific cases as required
• 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 ensuring risk management imperatives
• Coordinate seamlessly with Credit Processing Analysts and Credit Analysts to ensure files are logged appropriately and analyzed thoroughly
• 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; raise to RCM as required
• Effectively managing external vendors to ensure quality of reports & TAT
• Efficiently track Cost and ensure they are within budgeted levels.
• Ensure accurate data capture in LOS and maintain high quality of documentation.
• Ensure collection of Post disbursal documents within assigned time frame.

Risk Compliance & Control

• Ensure 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.
• Ensure minimal critical observations in Audit and also to ensure all observations are resolved within specified TAT’s.

Collection Efficiency

• Work in alignment with process-driven mechanisms for coordination with the Collections/ Operations team 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 customers and support collections team for resolutions of all cases
• Report fraud cases to Risk monitoring team and Regional/Zonal Risk Head.

Business Growth and Sustainability

• Work in partnership with Sales and Operations colleagues on case-based decision making for effective support on business growth and sustainability

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
• Maintain relationships with internal stakeholders for smooth coordination on complex/ escalation/ exception cases