Technical Manager

Aditya Birla Insulators; Mysuru; On-site; INR 1,600,000 - 2,200,000; Full time

Job summary

Aditya Birla Finance Limited is seeking a Senior Credit Manager to oversee the sanction life cycle for borrower accounts in CFG products. You will thoroughly underwrite proposals with due diligence, coordinate with sales to resolve risk concerns, and ensure timely decisions with the Credit Committee.

You will also assist senior risk leaders and analyze proposals against predefined criteria and macroeconomic factors to manage portfolio risk.

Qualifications

• Senior Credit Manager with thorough underwriting of credit proposals.
• Ability to analyze market information and macroeconomic scenario.
• Coordinate with sales and risk teams to resolve risk concerns.

Responsibilities

• Underwrite Credit Proposal with due diligence and risk analysis.
• Coordinate with sales for resolution of risk concerns and maintain TAT.
• Interface with Credit Committee for faster decisions.
• Assist Regional Credit Manager and Risk Head in business functions.
• Analyze credit proposals based on predefined criteria and market data.

Skills

Underwriting

Credit analysis

Risk assessment

Stakeholder coordination

Due diligence

Job description

Job Summary

Senior Credit Manager - To manage all activities pertaining to the sanction life cycle of all borrower accounts in the CFG business for all short and medium term products. The key responsibilities include thorough underwriting of credit proposals with the required due diligence; coordination with the sales team for resolution of risk concerns, maintaining Turn Around Time (TAT); interfacing with the Business team Credit Committee for faster decisions; Assist Regional Credit Manager and Risk Head for business function, new product development.

To undertake analysis of the credit proposal based on pre determined criteria and analysis of market information, current macroeconomic scenario, current portfolio concentration, etc.

Dimensions

• Business Workforce Number (Max 254 Characters)
• Unit Workforce Number (Max 254 Characters)
• Function Workforce Number
  (Max 254 Characters)
• Department Workforce Number
  (Max 254 Characters)
• Other Quantitative and Important Parameters for the job: Budgets/ Volumes/No. of Products/Geography/ Markets/ Customers or any other parameter

Job Context Major Challenges

As the debt arm of Aditya Birla Financial Services Group (ABFSG), Aditya Birla Finance Limited (ABFL) offers specialized lending and financing solutions in the areas of Capital Markets, Corporate/Trade Finance, Commercial Real Estate and Mortgages. Currently ranked within the top 25 NBFCs of India, we have made significant progress and our balance sheet at Cr plus exceed that of several midsized Banks and NBFCs. Underwrite Credit Proposal, Manage High Value Structured Deal, Achieve high turnaround time to maintain competitiveness, Renewal / Enhancement of existing facility. To manage all activities pertaining to the sanction life cycle of all borrower accounts in the CFG business for all short and medium term products. The key responsibilities include thorough underwriting of credit proposals with the required due diligence; coordination with the sales team for resolution of risk concerns, maintaining Turn Around Time (TAT); interfacing with the Business team Credit Committee for faster decisions; Assist Regional Credit Manager and Risk Head for business function, new product development. To undertake analysis of the credit proposal based on pre determined criteria and analysis of market information, current macroeconomic scenario, current portfolio concentration, etc.

Key Result Areas

Key Result Areas (Max 1325 Characters)

• Underwrite Credit Proposal
  • Selection Based On internally defined criterion, analysis of market information, current macroeconomic scenario portfolio concentration, etc
  • Assessment Management Risk, Industry Risk, Business Risk and Ficial Risk
  • Structuring to meet norms and generate internal comfort on lending mechanism. Structure risk mitigants to ensure that the credit recommended is within the articulated credit risk appetite of the company;
  • Compliance Regulatory, Credit Policy and product program
  • Reference Checks Banks / Other lenders / Trade / Competitors / suppliers / customers
  • Visit meeting with promoter and visit of business premises

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