Posted:9 months ago
AB Housing Finance Limited
Zonal Credit Manager
Location: Turquoise Ahmedabad, Gujarat
Implement and oversee execution of zonal risk and credit operations in adherence with defined frameworks and principles across ABHFL business lines
Liaise with relevant stakeholders (Sales, Operations, Technical) proactively for efficient cross-functional coordination and decision making on specific proposals/ escalation/ exception cases
Analyze and review existing risk management mechanisms in view of industry developments and the long-term business strategy to give inputs on possible refinements
Communicate with and guide team members on specific cases/ exceptions, providing insights on technical aspects as well as state/ property/ stakeholder 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
Ensure collection of Post disbursal documents within assigned time frame.
To identify cases under early warning signals and analyse the same.
Analyse delinquency trends at a zonal level and support RCMs with insights on possible drivers (such as regional economic factors, industry performance, etc.) and addressing mechanisms
Implement and drive 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 Head – Risk as required
Participate in zonal business decision making and planning, and institutionalize the same partnership orientation down the line, setting clarity on the context for Risk as a dual function to Sales with a clear responsibility for supporting business growth via complementary perspectives and control-centric inputs
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.), role clarity, and help them achieve superior performance standards
Nominate teams for relevant technical and behavioral trainings/ seminars and work on self-development initiatives
Proactively build and maintain relationships with internal stakeholders for smooth cross-functional coordination and alignment towards achievement of function and business objectives cross-functional coordination and alignment towards achievement of function and business objectives
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.), role clarity, and help them achieve superior performance standards
Nominate teams for relevant technical and behavioral trainings/ seminars and work on self-development initiatives
Minimum Experience Level
Job Qualifications
On-site
Aditya Birla Group
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