ABHFL-Credit Manager-Retail-Patna

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

Job summary

Aditya Birla Group is seeking a professional to support underwriting and portfolio quality management through risk operations, vendor coordination and accurate data handling in LOS. The role requires collaboration with legal, technical and processing teams to ensure timely and compliant case reviews.

The incumbent will coordinate with Sales and Operations, monitor risk metrics and help drive efficient, cost-conscious operations across ABHFL business lines.

Qualifications

• 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.

Responsibilities

• 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; escalat 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.
• Discover more about life at Aditya Birla Group

Skills

Risk Operations

Credit Operations

Vendor Management

LOS Data Capture

Process Coordination

Legal-Technical Eval

Job description

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

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; escalat 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.
• Discover more about life at Aditya Birla Group