Area Credit Manager-Retail- UP

KRA1

Underwriting and Portfolio Quality Management

• Execute risk and credit operations for assigned transactions in adherence with defined frameworks and principles across ABHFL business lines
• Evaluate and approve proposals as per defined approval matrix, seeking guidance from seniors and assisting peers on specific cases as required
• Liaise with relevant Legal, Technical and other verification vendors for Legal-Technical evaluations and clarifications in complex cases, as required
• Monitor the bounce rates as per threshold limits.

KRA2

Process Efficiency

Execute risk operations efficiently and in a manner that enables business performance while ensuring risk management imperatives

Coordinate seamlessly with Credit Processing Analysts and Credit Analysts to ensure files are logged appropriately and analyzed thoroughly

Work as per process-driven coordination mechanisms with Sales and Operations teams for effective decision making and problem solving in line with business and risk management needs escalate to RCM as required

• Effectively managing external vendors to ensure quality of reports & TAT
• Efficiently track Cost and ensure they are within budgeted levels.
• Ensure accurate data capture in LOS and maintain high quality of documentation.
• Ensure collection of Post disbursal documents within assigned time frame.

KRA3

Risk Compliance & Control

Ensure compliance with established risk management principles and norms compile periodic and need based MIS, reports, escalation case documents, etc.

Conduct local risk operations in line 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 TATs.

KRA4

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

• Escalate specific/ complex cases, as required, to RCM for recovery and delinquency/ NPA avoidance
• 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 Regional/Zonal Risk Head.

KRA5

Business Growth and Sustainability

Work in partnership with Sales and Operations colleagues on case-based decision making for effective support on business growth and sustainability

KRA6

Self-Development & Internal Stakeholder Coordination

Seek development to execute better risk assessment and loan underwriting via technical skill-up (e.g. proficiency on legal & technical documents, property business practices & norms, etc.) and role clarity

Maintain relationships with internal stakeholders for smooth coordination on complex/ escalation/ exception cases