Credit Manager-Prime-Delhi

Birla Carbon; Delhi; On-site; INR 1,500,000 - 2,500,000; Full time

Job summary

Birla Carbon is looking for a Head-Risk responsible for executing risk and credit operations, ensuring compliance with risk management principles.

The role demands 4–7 years of experience in risk and underwriting within HFCs, with required qualifications including CA or MBA-Finance. The successful candidate will possess strong analytical and stakeholder management skills, supporting business growth and sustainability while managing risks effectively.

Qualifications

• 4–7 years in bank/NBFC/HFC, with 2–3 years managing risk and underwriting in an HFC.

Responsibilities

• Execute risk and credit operations for assigned transactions.
• Monitor bounce rates as per threshold limits.
• Ensure compliance with established risk management principles.

Skills

Business and commercial acumen

Analytical skills

Stakeholder management

Presentation skills

Team management

Execution capabilities

Education

CA or MBA-Finance

Job description

Job Purpose

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.

Job Context / Challenges

The Risk team provides core underwriting services fundamental to the ABHFL business health, risk management and sustainability. Structured as a dual to the Sales/ Sourcing team, with positions mapped against corresponding Sales roles across the organization, the Risk team is responsible for necessary controls and process checks to ensure business performance and health.

While the core responsibility for this function is to control the business via robust underwriting and risk management, supporting business expansion via joint evaluation of different product/ market growth proposals with the Sales team is also an important contribution.

The Head‑Risk plays a vital role in securing the organization against diverse risks in the course of business 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.).

Key challenges include building controls around construction risk, balancing risk management and business growth in a rapidly expanding company, staying current with state‑wise norms and regulatory guidelines, and minimizing risks while supporting growth objectives.

Key Results & Responsibilities (KRAs)

KRA 1: 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 the defined approval matrix, seeking guidance from seniors and assisting peers on specific cases. Liaise with Legal, Technical and other verification vendors for evaluations and clarifications in complex cases. Monitor bounce rates as per threshold limits.

KRA 2: Process Efficiency

Execute risk operations efficiently in a manner that enables business performance while ensuring risk‑management imperatives. Coordinate seamlessly with Credit Processing Analysts and Credit Analysts to log and analyze files. Work with Sales and Operations teams for decision‑making and problem solving; escalations to RCM as required. Manage external vendors for quality of reports & TAT, track costs within budget, capture accurate data in LOS, maintain documentation quality, and collect post‑disbursal documents within time frame.

KRA 3: Risk Compliance & Control

Ensure compliance with established risk management principles and norms; compile periodic and needs‑based MIS, reports, escalation case documents. Conduct local risk operations in line with Maker‑Checker mechanism, manage exceptions, collateral valuation, PDD completion, cheque bounce collections; ensure minimal critical audit observations and resolve them within specified TATs.

KRA 4: Collection Efficiency

Co‑ordinate with Collections/Operations for tracking delinquency cases; drive collections efficiently. Escalate complex cases to RCM for recovery; monitor delinquent portfolios, liaise with key customers, support collections team for resolutions; report fraud cases to Risk monitoring team and Regional/Zonal Risk Head.

KRA 5: Business Growth & Sustainability

Partner with Sales and Operations colleagues on case‑based decisions to support business growth and sustainability.

KRA 6: Self‑Development & Stakeholder Coordination

Develop technical skills for risk assessment and underwriting (legal & technical documents, property business practices & norms). Maintain relationships with stakeholders for smooth coordination on complex or escalated cases.

Qualifications

Education: CA or MBA‑Finance. Experience: 4–7 years in a bank/NBFC/HFC, with the last 2–3 years in managing risk and underwriting in an HFC.

Required Skill Sets

Strong business and commercial acumen, analytical skills, stakeholder management and presentation skills, team management and execution capabilities.