) 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.
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 HeadRisk ifrequired
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 MakerCheckermechanism 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.
Toidentifycases under early warning signals andanalysethe 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 asrequiredon specific escalation cases for recovery and delinquency/ NPA avoidance; escalate to Zonal HeadRisk 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
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 tofacilitatebetter risk assessment underwritingskillsand internal stakeholder management via technical skill-up ( 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 tofacilitatebetter risk assessment underwritingskillsand internal stakeholder management via technical skill-up ( 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
Required Experience:
Manager
) 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 ActionsUnderwriting and Portfolio Quality ManagementImplement and oversee execu...
) 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.
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 HeadRisk ifrequired
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 MakerCheckermechanism 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.
Toidentifycases under early warning signals andanalysethe 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 asrequiredon specific escalation cases for recovery and delinquency/ NPA avoidance; escalate to Zonal HeadRisk 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
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 tofacilitatebetter risk assessment underwritingskillsand internal stakeholder management via technical skill-up ( 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 tofacilitatebetter risk assessment underwritingskillsand internal stakeholder management via technical skill-up ( 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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