ABHFL - Credit Manager - Informal - Bhubaneswar

Aditya Birla Group; Khordha; On-site; INR 900,000 - 1,500,000; Full time

Job summary

ABHFL in Bhubaneswar is seeking a Credit Manager (Informal) to support underwriting, risk assessment, and collection operations. The role requires coordinating with Legal and verification partners, ensuring data accuracy in LOS, and managing post-disbursal documentation.

You will drive process improvements and collaborate with Sales and Operations for informed decisions. The position emphasizes risk management, vendor coordination, and timely reporting to maintain portfolio quality and

Qualifications

• Execute risk and credit operations for basic transactions in line with defined frameworks.
• Coordinate with Legal, Technical and verification vendors for evaluations in complex cases.
• Monitor bounce rates and ensure timely documentation.
• Follow Maker-Checker risk processes with Sales and Operations teams for decisions.
• Ensure accurate data capture in LOS and post-disbursal documentation.

Responsibilities

• Execute risk operations in line with established frameworks for assigned cases.
• Coordinate with Credit Processing Analysts to log files before credit operations.
• Collaborate with Sales and Operations for informed decision making and problem solving.
• Manage external vendors to ensure report quality and timely delivery.
• Maintain high-quality LOS data and documentation.
• Ensure collection of post-disbursal documents within the assigned time frame.
• Support risk MIS reporting and documentation for audits.
• Develop skills and coordinate with internal stakeholders for escalation handling.

Job description

At the Aditya Birla Group, our Corporate Vision is aligned and intricately woven with our People Vision.

ABHFL - Credit Manager - Informal - Bhubaneswar

Designation : NA

Job Description:

Key Result Areas

Supporting Actions

Key Result Areas

Writethe key results expected from the job and the supporting actions for each of these key result areas (For a majority of jobs typically there could be 4- 7 key 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 ensuring risk management imperatives
• Coordinate seamlessly with Credit Processing Analysts to ensure 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; elevate 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.

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
• Discover more about life at Aditya Birla Group