Area Credit Manager-Prime-Zirakpur

ABC - Aditya Birla Housing Finance Limited; Punjab; On-site; INR 900,000 - 1,200,000; Full time

Job summary

ABC - Aditya Birla Housing Finance Limited is seeking a professional to support underwriting, risk operations, and portfolio quality across ABHFL lines. You will liaise with legal/verification vendors, monitor bounce rates, ensure data integrity in LOS, and drive collections with Sales and Operations teams.

Role emphasizes risk management, compliance, and collaboration with internal stakeholders to sustain business growth and minimize delinquencies.

Qualifications

Responsibilities

• 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 on complex cases
• Liaise with Legal, Technical and other verification vendors for Legal-Technical evaluations and clarifications in complex cases
• Monitor the bounce rates as per threshold limits
• Execute risk operations efficiently to enable business performance while ensuring risk management imperatives
• Coordinate with Credit Processing Analysts and Credit Analysts to ensure files are logged appropriately and analyzed thoroughly
• Work with Sales and Operations teams for effective decision making and problem solving in line with business and risk management needs
• Effectively managing external vendors to ensure quality of reports and TAT
• Efficiently track costs 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
• Ensure compliance with established risk management principles and norms; compile periodic MIS, reports, escalation case documents
• Conduct local risk operations with Maker-Checker mechanism across exceptions, collateral valuation, PDD completion, etc.
• Ensure minimal critical observations in Audit and resolve observations within specified TATs
• Coordinate with Collections/Operations to track delinquency and drive collections
• Escalate complex cases to RCM for recovery and delinquency/NPA avoidance
• Monitor delinquent portfolios and liaise with delinquent customers for resolutions
• Report fraud cases to Risk monitoring team and Regional/Zonal Risk Head
• Partner with Sales and Operations on case-based decisions for growth and sustainability

Job description

RA (Accountabilities) (Max 1325 Characters)

Supporting Actions (Max 1325 Characters)

KRA1

• 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 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.

KRA2

• 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; escal…
• 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.

KRA3

• 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 TATs.

KRA4

• 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.

KRA5

• 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

KRA6

• 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