ABHFL - Credit Manager - Informal - Puri

Birla Carbon; Puri; On-site; INR 600,000 - 900,000; Full time

Job summary

Aditya Birla Group's ABHFL invites applications for a Credit Manager role in Puri, Odisha. The position focuses on underwriting, risk assessment, and portfolio quality management within our informal lending framework, collaborating with Legal, Technical, and internal teams to ensure compliant decisions.

The role emphasizes process efficiency, vendor management, diligent documentation, and timely post-disbursement actions, with ongoing professional growth within a dynamic risk-management

Responsibilities

• Execute risk and credit operations for basic transactions across ABHFL in line with defined frameworks
• Seek guidance from seniors for effective risk assessment of individual cases
• Coordinate with Legal, Technical and verification vendors for evaluations in complex cases
• Monitor bounce rates as per threshold limits
• Operate risk processes to support business performance while meeting risk imperatives
• Coordinate with Credit Processing Analysts to log case files before initiating credit operations
• Coordinate with Sales and Operations for decision making and problem solving
• Manage external vendors to ensure report quality and turnaround time
• Track costs to stay within budget
• Ensure accurate data capture in LOS and high-quality documentation
• Ensure post-disbursal documents are collected within deadlines
• Ensure compliance with risk principles and compile MIS/reports
• Operate local risk processes with Maker–Checker across key aspects
• Minimize audit observations and ensure timely resolution
• Coordinate with Collections/Operations to track delinquencies and drive collections
• Escalate complex cases to RCM for recovery and NPA avoidance
• Monitor delinquent portfolios and liaise with customers and collections
• Report fraud cases to Risk Monitoring and Regional Head
• Pursue skill development for improved risk assessment and underwriting
• Maintain relationships with internal stakeholders for escalation
• Discover life at Aditya Birla Group

Job description

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

ABHFL - Credit Manager - Informal - Puri

Designation : NA

Job Description:

Key Result Areas

Supporting Actions

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; expand 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