Senior Sales Manager

ABC - Aditya Birla Housing Finance Limited; Maharashtra; Presencial; INR 600.000 - 900.000; Jornada completa

Descripción de la vacante

Aditya Birla Capital Ltd. in Maharashtra seeks a risk and credit operations professional to execute basic risk and credit activities within established frameworks and processes.

You will coordinate with Sales, Operations and Technical colleagues to ensure efficient risk management operations, liaise with Legal and verification vendors for evaluations, and compile periodic MIS and reports for informed business decisions.

Responsabilidades

• Set up underwriting and risk management frameworks for robust creditworthiness.
• Execute risk and credit operations for basic transactions as defined.
• Coordinate with Legal, Technical and verification vendors for evaluations.
• Ensure compliance with risk principles and compile MIS reports and documentation.
• Coordinate with Collections/Operations to track delinquency and drive collections.
• Escalate complex cases to RCM and maintain relationships with internal stakeholders.

Descripción del empleo

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.

• 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.
• Execute risk and credit operations for basic transactions assigned, in adherence with defined frameworks and principles across ABHFL business lines
• Liaise with relevant Legal, Technical and other verification vendors for Legal-Technical evaluations and clarifications in complex cases, as required
• Execute risk operations efficiently and in a manner that enables business performance while ensuring risk management imperatives
• Effectively managing external vendors to ensure quality of reports & TAT
• Ensure compliance with established risk management principles and norms; compile periodic and need based MIS, reports, escalation case documents, etc,
• 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
• Maintain relationships with internal stakeholders for smooth coordination on complex/ escalation/ exception cases