Area Credit Manager-Prime-Gurgaon

Birla Carbon; Gurgaon; On-site; INR 800,000 - 1,200,000; Full time

Job summary

Birla Carbon is looking for a qualified Area Credit Manager in Gurgaon to oversee risk and credit operations. The role involves executing credit proposals and maintaining compliance with risk management principles.

The successful candidate will work closely with Sales and Operations teams to support business growth and ensure efficient collections. Candidates with a strong background in risk assessment and proposal evaluation are encouraged to apply.

Qualifications

• Experience in risk and credit operations.
• Ability to evaluate and approve proposals.
• Knowledge of compliance with risk management principles.

Responsibilities

• Execute risk and credit operations for assigned transactions.
• Coordinate with Credit Processing and Credit Analysts.
• Ensure compliance with established risk management norms.

Job description

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

Area Credit Manager-Prime-Gurgaon

Designation :

Job Description:

4) Principal Accountabilities

Accountability

Supporting Actions

Underwriting and Portfolio Quality Management

• Execute risk and credit operations for assigned transactions in adherence with defined frameworks and principles across ABHFL business lines
• Evaluate and approve proposals as per defined approval matrix, seeking guidance from seniors and assisting peers on specific cases as required
• Liaise with relevant ABFL Risk team members for Legal-Technical evaluations and clarifications in complex cases, as required

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 and Credit Analysts to ensure files are logged appropriately and analyzed thoroughly
• 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

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.

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

Business Growth and Sustainability

• Work in partnership with Sales and Operations colleagues on case based decision making for effective support on business growth and sustainability

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
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