) Key Result Areas:Writethe key results expected from the job and the supporting actions for each of these key result areas (Fora majority ofjobs 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 andassistteam members on specific approval cases asrequired. Monitor the bounce rates and portfolio delinquency buckets as per threshold limits and report early defaulters Ensure collection of Post disbursal documents within assignedtime frame.
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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 asrequiredwith stakeholders in Sales and Operations teams and escalating to Zonal Head-Risk ifrequired Effectively managing external vendors to ensure quality of reports & TAT Efficiently track Cost and ensure they are within budgeted levels.
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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. Toidentifycases under early warning signals andanalysethe same.
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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 asrequiredon specific escalation cases for recovery and delinquency/ NPA avoidance escalate to Zonal Head-Risk asrequired 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
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Business Growth and Sustainability | |
Team & Internal Stakeholder Management | Guide and develop team members tofacilitatebetter risk assessment, underwritingskillsand internal stakeholder management via technical skill-up (e.g.proficiencyon 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
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Team & Internal Stakeholder Management | Guide and develop team members tofacilitatebetter risk assessment, underwritingskillsand internal stakeholder management via technical skill-up (e.g.proficiencyon 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
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