Credit Manager

Birla Carbon; Thane; On-site; INR 600,000 - 800,000; Full time

Job summary

Birla Carbon in Thane is looking for a professional to execute risk and credit operations, ensuring sound portfolio management and compliance with the established frameworks. The role involves coordinating with sales and technical teams, managing relationships with external vendors, and compiling necessary reports for effective decision-making. Candidates must have experience in risk operations and strong communication skills to handle complex cases. This opportunity offers a chance to work with a dynamic team focused on efficient risk management.

Qualifications

• Experience in risk and credit management operations.
• Ability to execute risk operations efficiently.
• Strong communication skills for liaising with stakeholders.

Responsibilities

• Coordinate risk and credit operations according to established frameworks.
• Manage relationships with external vendors for evaluations.
• Compile MIS and reports for compliance and tracking.

Job description

Designation :

Location : India Maharashtra G-Corp Tech Park, Thane

Job Description

The purpose of this job is to execute risk and credit operations on the basic transactions assigned, as per established frameworks and processes, ensuring sound portfolio quality management. Further, this role coordinates with Sales, Operations and Technical colleagues to ensure efficient and effective risk management operations.

• This role is responsible for setting up requisite underwriting and risk management frameworks and processes for robust and efficient creditworthiness and risk assessment, and consequent inputs for business decisions (loan approval/ rejection, business expansion, etc).
• Execute risk and credit operations for basic transactions assigned, in adherence with defined frameworks and principles across ABHFL business lines.
• Liaise with relevant Legal, Technical and other verification vendors for Legal-Technical evaluations and clarifications in complex cases, as required.
• Execute risk operations efficiently and in a manner that enables business performance while ensuring risk management imperatives.
• Effectively managing external vendors to ensure quality of reports & TAT.
• Ensure compliance with established risk management principles and norms; compile periodic and need based MIS, reports, escalation case documents, etc.
• 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.
• Maintain relationships with internal stakeholders for smooth coordination on complex/ escalation/ exception cases.