Area Credit Head

Aditya Birla Group
Department Icon BFSI (Credit & Risk)
Posted: 2 months ago
0-1 years
Dehradun, Uttarakhand (Uttaranchal)
BFSI (Credit & Risk)
work from office
Full Time
Posted: 2 months ago
Let Jobaaj One apply for you

An AI agent that applies to roles like this on employers' own sites. 25 applications free, no card needed.

Job Description
Similar Jobs
Please verify your account first! Send OTP

Posted over 15 days ago, so the role may have closed. Confirm on the employer's page when you apply, or see similar jobs.

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

Skills

Underwriting

If a job posting appears fraudulent, asks for payment, contains misleading information, or violates our guidelines, please report it immediately. Our team will review it promptly, Jobaaj does not charge any fee from the applicants.

Similar Jobs

View all
Bag Logo
Jobaaj
Get jobs like this by email

New BFSI (Credit & Risk) roles in Dehradun.

Job Alert
Google hiring for Specific Roles Apply Now!
1 min ago
New Opportunity
Amazon is hiring freshers Apply Now!
5 min ago
Featured Jobs
Microsoft opening 50+ positions Apply Now!
10 min ago

One email a day. Unsubscribe any time.