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ABHFL- Regional Credit Manager ABCD- LucknowFinancial Services • Lucknow, Uttar Pradesh, India
ABHFL- Regional Credit Manager ABCD- Lucknow

ABHFL- Regional Credit Manager ABCD- Lucknow

Financial Services • Lucknow, Uttar Pradesh, India
23 days ago
Job description
4) Key Result Areas:Write the 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)

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 TATs.
  • 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



Required Experience:

Manager


Employment Type : Full Time
Experience: years
Vacancy: 1
Monthly Salary Salary: 2800000 - 3200000
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ABHFL- Regional Credit Manager ABCD- Lucknow • Lucknow, Uttar Pradesh, India

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