Credit Manager-Informal-Jaunpur

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

Job summary

Birla Carbon is seeking a Credit Manager-informal for Jaunpur to lead underwriting and risk assessment for transactions, ensuring adherence to approval matrices and quality standards. You will coordinate with Legal, Technical and verification vendors and monitor bounce rates.

You will drive process efficiency, collaborate with Sales, Credit Processing Analysts and Operations to ensure proper data capture, timely post-disbursal documents, and robust MIS for risk and collections.

Qualifications

• Underwriting and portfolio quality management responsibilities.
• Risk operations and approvals as per defined matrices.
• Liaising with Legal, Technical and verification vendors.
• Monitor bounce rates and ensure data integrity.

Responsibilities

• Underwriting and Portfolio Quality Management
• Process Efficiency and cost tracking, ensuring timely data capture in LOS and documentation.
• Risk Compliance, Maker-Checker with Sales and Operations.
• Collection efficiency with Collections/ Operations and recovery coordination.
• Business growth support with Sales and Operations for sustainable outcomes.
• Self-Development and stakeholder coordination to enhance risk assessment capabilities.

Job description

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

Credit Manager-Informal-Jaunpur

Designation : NA

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; elevate to RCM as required
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

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