Central Credit Manager

Aditya Birla Capital Limited State Credit Manager - Secured - Delhi Location : Barakhamba Road, New Delhi, Delhi The purpose of this job is : Review STSL credit proposals, carry out thorough due diligence within stipulated turnaround times and decision of the cases / recommend the same to respective authorities - Zonal Credit Manager, National Risk Manager, Credit Committee for decision / approvals on the case Maintain the quality of portfolio by regularly reviewing the portfolio and suggesting for the policy changes accordingly if any Regularly Review & Monitor the Portfolio Performance, PDD movement and Compliance related matters Regularly Review & Monitor Vendor Management and closure of Audit queries Bringing in the Process Efficiency & Quality Improvement Initiative, Cost Reduction Initiatives and Stakeholder Management Customer Centricity, Productivity and People Management Key Result Areas Supporting Actions 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 in-line with management mandate. Quality is measured by delinquency, bounce rates, loss numbers, RCR and File quality scores are key deliverables Business & Financial 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 Strong interpersonal skills to manage team size of 10+ risk managers Capable to mentor 3 - 4 middle layer Managers towards progressive career path Productivity Management & Improvement – Productivity and its management is the key deliverable Quality is measured by no of files managed on monthly basis Initiatives for improving the productivity at every level is also one of the key deliverables Process & Quality Improvement - Regularly Review & Monitor the PDD movement as one of the most important process laid down to be managed by RCM Bringing in the Process Efficiency & Quality Improvement Initiative, Cost Reduction Initiatives Define credit underwriting standards and processes in accordance with ROC approved guidelines Process adherence as measured by audit ratings, FTR score and TAT are key deliverables Minimum Experience Level 6 - 12 years Job Qualifications Undergraduate