ABHFL - Zonal Credit Manager - Prime - Gurgaon

Birla Carbon; Gurgaon; On-site; INR 800,000 - 1,500,000; Full time

Job summary

Birla Carbon is seeking a Zonal Credit Manager for their Gurgaon office. The successful candidate will oversee risk and credit operations, ensuring compliance and process efficiency while driving business growth. Key responsibilities include managing proposals, monitoring delinquency trends, and coordinating with internal stakeholders to enhance operational effectiveness.

Candidates should have strong skills in risk management, cross-functional coordination, and data analysis, along with experience in credit operations. This position offers a dynamic environment focused on achieving business objectives through effective risk assessment.

Qualifications

• Experience in risk management and credit operations.
• Strong analytical skills to evaluate proposals and delinquency trends.
• Proficient in stakeholder management and cross-functional coordination.

Responsibilities

• Implement and oversee zonal risk and credit operations.
• Drive process efficiency and alignment within teams.
• Monitor compliance with risk management principles and norms.
• Analyze delinquency trends and support collections team.

Skills

Risk management

Credit operations

Cross-functional coordination

Data analysis

Job description

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

ABHFL - Zonal Credit Manager - Prime - Gurgaon

Designation :

Job Description:

4) Key Result Areas: Write the 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)

Key Result Areas

Supporting Actions

Underwriting and Portfolio Quality Management

• Implement and oversee execution of zonal risk and credit operations in adherence with defined frameworks and principles across ABHFL business lines
• Liaise with relevant stakeholders (Sales, Operations, Technical) proactively for efficient cross-functional coordination and decision making on specific proposals/ escalation/ exception cases
• Analyze and review existing risk management mechanisms in view of industry developments and the long-term business strategy to give inputs on possible refinements
• Communicate with and guide team members on specific cases/ exceptions, providing insights on technical aspects as well as state/ property/ stakeholder specific considerations for effective risk assessment
• Evaluate and approve proposals as per defined approval matrix, and assist team members on specific approval cases as required

Process Efficiency

• Drive process efficiency through the team reinforcing the role of the Risk team as a business enabler without compromising on risk management and business sustainability
• Drive alignment with process-driven coordination mechanisms with Sales, Operations and Technical teams by enabling open communication within and across teams in the zone for alignment on business imperatives and corresponding risk management needs
• Serve as a point of escalation and issue resolution on complex business issues, liaising as required with stakeholders in Sales and Operations teams and escalating to Head – Risk as required
• Ensure collection of Post disbursal documents within assigned time frame.

Risk Compliance & Control

• Monitor compliance with established risk management principles and norms, as well as applicable regulatory requirements (raise potential concerns to Head – Risk in advance), via periodic and need based reviews of relevant MIS, reports, escalation case documents, etc.
• Work and ensure zonal operations are aligned with defined ‘Maker – Checker’ mechanism with Sales and Operations teams in a systematic and process-driven manner, covering key aspects such as exception approvals, collateral valuation, PDD completion, cheque bounce collections, etc.
• Ensure minimal critical observations in Audit and to ensure all observations are resolved within specified TATs
• To identify cases under early warning signals and analyse the same.

Collection Efficiency

• Analyse delinquency trends at a zonal level and support RCMs with insights on possible drivers (such as regional economic factors, industry performance, etc.) and addressing mechanisms
• Implement and drive alignment with process-driven mechanisms for coordination with the Collections/ Operations team on tracking delinquency cases and driving collections efficiently and effectively
• Intervene as required on specific escalation cases for recovery and delinquency/ NPA avoidance; escalate to Head – Risk as required
• Track early defaulters and skip cases and support collections team for ensuring resolutions.

Business Growth and Sustainability

• Participate in zonal business decision making and planning, and institutionalize the same partnership orientation down the line, setting clarity on the context for Risk as a dual function to Sales with a clear responsibility for supporting business growth via complementary perspectives and control-centric inputs

Team & Internal Stakeholder Management

• Guide and develop team members to facilitate better risk assessment, underwriting skills and internal stakeholder management via technical skill-up (e.g. proficiency on legal & technical documents, property business practices & norms, etc.), role clarity, and help them achieve superior performance standards
• Nominate teams for relevant technical and behavioral trainings/ seminars and work on self-development initiatives
• Proactively build and maintain relationships with internal stakeholders for smooth cross-functional coordination and alignment towards achievement of function and business objectives