Credit Manager-Prime-Amritsar

Aditya Birla Insulators; Ambala; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Aditya Birla Insulators in Ambala is seeking a risk operations professional to manage underwriting, portfolio quality, and collections processes. The role involves coordinating with legal/technical vendors, ensuring timely post-disbursal documentation, and driving efficient risk controls across multiple business lines.

The successful candidate will liaise with sales and operations teams, monitor performance metrics, and escalate complex cases to RCМ as needed, while maintaining high data quality

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 and assisting peers on specific cases as required
• Liaise with relevant Legal, Technical and other verification vendors for LegalTechnical evaluations and clarifications in complex cases
• Monitor the bounce rates as per threshold limits.
• 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 processdriven 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.
• Conduct local risk operations in line with defined MakerChecker 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.
• Work in alignment with processdriven 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.
• Work in partnership with Sales and Operations colleagues on casebased decision making for effective support on business growth and sustainability
• Seek development to execute better risk assessment and loan underwriting via technical skillup (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

Job description

Responsibilities

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 LegalTechnical 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 processdriven 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 MakerChecker 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 processdriven 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 casebased decision making for effective support on business growth and sustainability

Kra6

SelfDevelopment & Internal Stakeholder Coordination

• Seek development to execute better risk assessment and loan underwriting via technical skillup (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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