State Credit Manager

Aditya Birla Insulators; Jabalpur; On-site; INR 1,200,000 - 1,600,000; Full time

Job description

Portfolio Management

• Regularly Review Monitor the Portfolio of the region. Bring in the expertise of identifying the grey areas which need immediate attention of the management. Track the movement of the portfolio is inline with management mandate.
• Quality is measured by delinquency, bounce rates, loss numbers, RCR and File quality scores are key deliverables

Business Ficial Management

• Calibrate the capacity plan in line with business needs
• Identify and act upon various risk arising out of credit/process activities
• Risk mitigation bureau/rating agencies/collection reports to be reviewed
• Do periodical stress tests to ensure necessary actions are taken in markets having sharp movement in real estate prices
• Track and react to external influence on portfolio Bureau/rating agencies

Customer Focus

• Take decisions which are aligned to the management directive keeping customer in mind
• Bring in the efficiency in the system by enabling decisions being taken within defined timelines
• Understand the Salaried / Self Employed market dynamics for STSL business in smaller towns say tier 3 4 markets

People/Team Management

• Effective training and timely communication of policy underwriting standard
• Manage and supervise direct reports with continuous engagement on portfolio performance, process controls and supervisory review
• Interaction with business and allied teams to incorporate changes