Sales Manager - Direct

Birla Carbon; Odisha; On-site; INR 600,000 - 900,000; Full time

Job summary

Aditya Birla Group is seeking professionals to support underwriting and portfolio quality management across multiple risk areas. You will execute risk operations, coordinate with processing analysts, and collaborate with Sales and Operations for effective decision making while ensuring documentation quality.

This role emphasizes vendor management, data accuracy in LOS, and timely collection of post-disbursement documents, with a focus on risk compliance and process efficiency.

Qualifications

• Experience in risk operations and loan underwriting.
• Knowledge of legal/technical verifications and collateral norms.
• Ability to coordinate with cross-functional teams (Sales/Operations).

Responsibilities

• Execute risk operations for basic transactions per defined frameworks.
• Coordinate with Credit Processing Analysts to log case files before credit operations.
• Work with Sales/Operations for decision making and problem solving; escalate as needed.
• Manage external vendors to ensure report quality and timely delivery.
• Capture accurate data in LOS and maintain documentation quality.
• Collect post-disbursement documents within required time frames.

Skills

Underwriting

Portfolio management

Risk monitoring

Vendor liaison

Job description

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

Designation :

Job Description:

Key Result Areas

Supporting Actions

4) Key Result Areas:Writethe key results expected from the job and the supporting actions for each of these key result areas (For a majority of jobs typically there could be 4- 7 key result areas)

Underwriting and Portfolio Quality Management

• Execute risk and credit operations for basic transactions assigned, in adherence with defined frameworks and principles across ABHFL business lines
• Seek guidance from seniors proactively and gather insights on technical aspects as well as state/ property specific considerations for effective risk assessment of individual cases
• 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.

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 to ensure case files are logged appropriately before proceeding to initiate credit operations
• 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; escalte 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.

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 TAT’s.

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.

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
• Discover more about life at Aditya Birla Group