Area Credit Manager

Aditya Birla Group · Not specified · onsite · Posted 56d ago

Not disclosedFresherfulltimeSourced from Foundit

About a minute. You'll make an account on the way through.

About this role

Job Description

4) Key Result Areas:Writethe 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)-Maximum 10 KRAs can be updated
Key Result Areas (Max 1325 Characters)	Supporting Actions(Max 1325 Characters)
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

Sourced from foundit

Skills

Credit Analysisunderwriting

About Aditya Birla Group

Aditya Birla Group

Metals & Mining

227.5k+

employees

1857

169 years old

Mumbai, Maharashtra

India

About

Aditya Birla Group is a Fortune 500 global conglomerate. The company's businesses have grown into global powerhouses in a wide range of sectors metals, textiles, carbon black, telecom and cement.

Industries

Metals & MiningFinancial ServicesBuilding MaterialRetailTelecomChemicals

Employee ratings

2,383 reviews

4.1/ 5

Culture

3.9

Career growth

3.5

Work-life

4.0

Employees rate it well for

Work Culture191Salary167Senior Management152Work Life Balance146Job Security123

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4) Key Result Areas:Writethe 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)-Maximum 10 KRAs can be updated

Key Result Areas (Max 1325 Characters)

Supporting Actions(Max 1325 Characters)

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