ABHFL – Regional Credit Manager – Informal – Bhopal Full Time

Key Result Areas

Supporting Actions

Underwriting and Portfolio Quality Management

• Implement and oversee execution of regional risk and credit operations in adherence with defined frameworks and principles across ABHFL business lines
• Liaise with relevant stakeholders (Sales, Operations) and escalate appropriately for efficient coordination and decision making on specific proposals/ escalation cases
• Communicate with and guide team members on specific cases/ exceptions, providing insights on technical aspects as well as state/ property specific considerations for effective risk assessment
• Evaluate and approve proposals as per defined approval matrix and assist team members on specific approval cases as required.
• Monitor the bounce rates and portfolio delinquency buckets as per threshold limits and report early defaulters
• Ensure collection of Post disbursal documents within assigned time frame.

Process Efficiency

• Drive process efficiency through the team across different risk operations, acting as a business enabler without compromising on risk management imperatives
• Work as per and guide team members towards process-driven coordination mechanisms with Sales and Operations teams for effective decision making and problem solving in line with business and risk management needs
• Intervene in escalation/ exception cases, liaising as required with stakeholders in Sales and Operations teams and escalating to Zonal Head – Risk if required
• Effectively managing external vendors to ensure quality of reports & TAT
• Efficiently track Cost and ensure they are within budgeted levels.

Risk Compliance & Control

• Ensure compliance with established risk management principles and norms via periodic and need based reviews of relevant MIS, reports, escalation case documents, etc.
• Ensure regional operations are aligned 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.
• To identify cases under early warning signals and analyse the same.

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
• Intervene as required on specific escalation cases for recovery and delinquency/ NPA avoidance; escalate to Zonal Head – Risk as required
• 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 Zonal/National Risk Head. Cases

Business Growth and Sustainability

• Work in partnership with Sales and Operations colleagues on case-based decision making, and drive the same partnership orientation down the line as well

Team & Internal Stakeholder Management

• Guide and develop team members to facilitate better risk assessment, underwriting skills and internal stakeholder management via technical skill-up (e.g. proficiency on legal & technical documents, property business practices & norms, etc.) and help them achieve superior performance standards & productivity levels
• Nominate teams for relevant technical and behavioral trainings/ seminars and work on self-development initiatives
• Maintain relationships with internal stakeholders for smooth cross-functional coordination and alignment towards achievement of function and business objectives

Team & Internal Stakeholder Management

• Guide and develop team members to facilitate better risk assessment, underwriting skills and internal stakeholder management via technical skill-up (e.g. proficiency on legal & technical documents, property business practices & norms, etc.) and help them achieve superior performance standards & productivity levels
• Nominate teams for relevant technical and behavioral trainings/ seminars and work on self-development initiatives
• Maintain relationships with internal stakeholders for smooth cross-functional coordination and alignment towards achievement of function and business objectives