ABHFL- Regional Credit Manager - Retail - Kolkata

Job description

- 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 TAT’s. - 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