Credit Manager-Prime-Noida

Birla Carbon; Dadri; On-site; INR 1,000,000 - 1,400,000; Full time

Job summary

Birla Carbon is seeking a Credit Manager-Prime for its Noida location to oversee risk and credit operations. The role is crucial for ensuring effective portfolio quality management while coordinating with various teams. Candidates should have a CA/MBA in Finance and substantial experience in risk management.

This position demands a strong acumen for business, analysis, and stakeholder engagement, alongside comprehensive knowledge of regulatory norms and underwriting methods.

Qualifications

• 4-7 years experience in a bank/NBFC/HFC.
• 2-3 years managing risk and underwriting in an HFC.

Responsibilities

• Execute risk and credit operations for assigned transactions.
• Coordinate seamlessly with Credit Processing Analysts and Sales teams.
• Ensure compliance with risk management principles.

Skills

Strong business and commercial acumen

Analytical skills

Stakeholder management

Presentation skills

Team management

Execution capabilities

Education

CA/MBA-Finance

Job description

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

Credit Manager-Prime-Noida

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.

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, the Risk team is responsible for necessary controls and process checks to ensure business performance and health.

The Head‑Risk plays a vital role in securing the organization against diverse risks. This role is responsible for setting up underwriting and risk management frameworks and processes for robust creditworthiness assessment and input for business decisions.

Key Challenges

• Manage construction risk associated with projects under construction.
• Balance risk management priorities with business growth without increasing sub‑prime exposures.
• Navigate state‑wise norms, business practices and regulatory guidelines.
• Stay updated on industry practices and support growth objectives.

Eligibility & Skills

Education & experience: CA/MBA‑Finance with 4-7 years experience in a bank/NBFC/HFC, 2-3 years managing risk and underwriting in an HFC.

Critical skills: strong business and commercial acumen, analytical skills, stakeholder management and presentation skills, team management and execution capabilities.

Key Result Areas

• KRA1: Underwriting and Portfolio Quality Management
  Execute risk and credit operations for assigned transactions in adherence to 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 evaluations and clarifications in complex cases. Monitor bounce rates as per threshold limits.

• KRA2: Process Efficiency
  Execute risk operations efficiently to enable 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. Escalate to RCM as required. Effectively manage 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. Ensure minimal critical observations in Audit and resolve all observations 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 to RCM for recovery and delinquency/NPA avoidance. Monitor delinquent portfolios. Liaise 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). Maintain relationships with internal stakeholders for smooth coordination on complex/escalation/exception cases.