Area Credit Head-Lucknow

Birla Carbon; Lucknow; On-site; INR 1,200,000 - 1,500,000; Full time

Job summary

Birla Carbon is seeking an Area Credit Head based in Lucknow. The role involves monitoring and managing the credit portfolio, ensuring risk mitigation, and leading a team of risk managers.

Candidates must possess strong interpersonal skills and a track record in credit management. The position is critical for improving productivity and adhering to defined timelines.

Qualifications

• Experience in credit management and financial analysis.
• Strong understanding of risk mitigation techniques.
• Ability to manage and mentor a team of risk managers.

Responsibilities

• Review and monitor the credit portfolio regularly.
• Calibrate capacity plans based on business needs.
• Make decisions aligned with management directives keeping customers in mind.
• Provide effective training to team members.
• Manage productivity and implement improvement initiatives.

Skills

Interpersonal Skills

Risk Management

Portfolio Monitoring

Job description

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

Area Credit Head - Lucknow

Designation:

Location: India, Uttar Pradesh, Shalimar Logix, Lucknow

Job Description

Key Result Areas

• Regularly Review & Monitor the Portfolio of the region. Bring in the expertise of identifying the grey areas which need immediate attention of the management. Track the movement of the portfolio in line with management mandate.
• Quality is measured by delinquency, bounce rates, loss numbers, RCR and File quality scores are key deliverables.

Business & Financial Management

• Calibrate the capacity plan in line with business needs.
• Identify and act upon various risks arising out of credit/process activities.
• Risk mitigation – bureau/rating agencies/collection reports to be reviewed.
• Do periodical stress tests to ensure necessary actions are taken in markets having sharp movement in real estate prices.
• Track and react to external influence on portfolio Bureau/rating agencies.

Customer Focus

• Take decisions which are aligned to the management directive keeping customer in mind.
• Bring in efficiency in the system by enabling decisions being taken within defined timelines.
• Understand the Prime LAP business in smaller towns such as tier 3–4 markets.

People/Team Management

• Effective training and timely communication of policy & underwriting standards.
• Manage and supervise direct reports with continuous engagement on portfolio performance, process controls and supervisory review.
• Interaction with business and allied teams to incorporate changes.

Strong interpersonal skills to manage a team size of 10+ risk managers.

Capable of mentoring 3–4 middle layer managers towards a progressive career path.

Productivity Management & Improvement

• Productivity and its management is the key deliverable.
• Quality is measured by the number of files managed on a monthly basis.
• Initiatives for improving productivity at every level are also one of the key deliverables.