Credit Manager- Retail-Delhi
Aditya Birla Group —Delhi
- Finance
- Master's degree
- Analysis skills
4h
Store Executive Ahmedabad
Accord Manpower Services —New Delhi District, Delhi
- Up to ₹3,60,000 a year
- Full-time
Sales Executive
Craw Security —Laxmi Nagar, Delhi, Delhi
- Email
- Bachelor's degree
Sr. Accountant
Adio Brand Solutions —Jhandewalan, Delhi, Delhi
- Call employer
- Tax experience

Discover related jobs

Based on your search for document verification jobs.

Chat Support Executive
Venture Quest —Civil Lines, Delhi, Delhi
Hiring For Web and Chat support executive. Should be from Delhi only (Faridabad/ Gurgaon/ Ghaziabad/ Greater noida) are non hiring zone. Pay: ₹22,000.00 - …
₹22,000 - ₹37,000 a month
Quick apply
IT Support Interns/Trainee
Comnet Innovations Pvt Ltd —Delhi
Logging all service requests and updating tickets as needed. Basic Qualification - Polytechnic Diploma/ BCA/ Graduate with diploma in Computers or HIGHERS.
₹10,000 - ₹20,000 a month
Quick apply

I want to receive the latest job alerts for document verification in dl

By signing in to your account, you agree to SimplyHired's Terms of Service and consent to our Cookie and Privacy Policy.

Explore jobs in more locations

document verification jobs near dl

Credit Manager jobs in Delhi

Senior Sales Executive jobs in Bengaluru, Karnataka

Senior Accountant jobs in Noida, Uttar Pradesh

Accountant jobs in S.m.s.hospital, Jaipur, Rajasthan

Senior Accountant jobs in Nashik, Maharashtra

Accountant jobs in Kalbadevi, Mumbai, Maharashtra

Senior Accountant jobs in Bommasandra, Bengaluru, Karnataka

Senior Accountant jobs in Hingna, Nagpur, Maharashtra

Chartered Accountant Bank jobs in Kerala

Credit Manager jobs in Andhra Pradesh

Credit Manager jobs in Surat, Gujarat

Store Manager, Vishal Mega Mart jobs in Mohali, Punjab

Credit Manager jobs in Maharashtra

Manager Jewellery jobs in Hyderabad, Telangana

Maintenance Manager jobs in Chennai, Tamil Nadu

Social Media Manager jobs in Surat, Gujarat

Credit Manager jobs in Noida, Uttar Pradesh

Mis Executive jobs in Panchkula, Haryana

Front Office Executive jobs in Delhi, Delhi

Executive Assistant jobs in Chennai, Tamil Nadu

Credit Manager- Retail-Delhi

Aditya Birla Group -
Delhi

Apply Now

Job details

Freelance
4 hours ago

Qualifications

Finance
Master's degree
Analysis skills
Presentation skills
MBA

Full job description

Designation: Senior Sales Manager

Location: India Delhi Vijaya Bldg Barakham

Organization: Financial Services

Job Description:

1) Job Purpose

The purpose of this job is to execute risk and credit operations on the basic transactions assigned, as per established frameworks and processes, ensuring sound portfolio quality management. Further, this role coordinates with Sales, Operations and ABFL Risk colleagues to ensure efficient and effective risk management operations

2) Dimensions

What are the areas (in quantitative terms) the job has an impact on?

Function

Dept.

Section

Remarks

(As applicable)

Manpower (Nos.)

Management

Staff

Worker

Contract

Total

Other Relevant Parameters

(Capacity/ Volumes/ Budget)

Loan Approval Limit

Process/ SOP adherence

NPA%

3) Job Context & Major Challenges

(What are the specific aspects of the job that provide a challenge to the jobholder in the context of the Unit/Zone?

Organizational Context

Key Aspects:

Part of the Aditya Birla Financial Service Group (ABFSG), Aditya Birla Housing Finance Limited (ABHFL) is registered with the National Housing Bank as a housing finance company under the National Housing Bank Act, 1987. The company offers a complete range of housing finance solutions such as home loans, home improvement and home construction loans, balance transfer and top-up loans, loans against property and construction finance. The company acquired its license on 9th July 2014 and has aggressive growth plans
ABHFL operates in the Rs. 11.4 trillion Indian Housing Finance market, which has grown at a steady rate of 17% CAGR over the last 3 years while reporting good asset quality despite challenges in the operating environment. While the industry is dominated by five large groups, there has been an emergence of newer entrants in niche segments like affordable housing and self-employed borrowers, given the high potential in these segments. Despite increased focus by banks, HFCs have been able to maintain their share in the mortgage market and has remained stable at ~37% as on December 2015
The nature of the HFC business (dealing largely with retail customers in the potentially sensitive area of housing/ mortgages), along with the additional regulatory and control mechanisms imposed as a result, means it is imperative that all functions and processes align and comply with sound risk management guidelines and applicable regulations/ controls proactively and judiciously. This is vital for managing risk and protecting interests of both the business as well as the customer

Job Context

Key Aspects:

The Risk team provides core underwriting services fundamental to the ABHFL business health, risk management and sustainability. Structured as a dual to the Sales/ Sourcing team, with positions mapped against corresponding Sales roles across the organization, the Risk team is responsible for necessary controls and process checks to ensure business performance and health
While the core responsibility for this function is to control the business via robust underwriting and risk management, supporting business expansion via joint evaluation of different product/ market growth proposals with the Sales team is also an important contribution
The Credit Manager plays the role of executing risk and credit operations in line with established guidelines and norms, and securing the organization against diverse risks in local business operations via process measures and checks. This role is responsible for ensuring robust and efficient creditworthiness and risk assessment. He/ She is the “ears on the ground” member of the Risk Team who meets every customer as part of the underwriting process and also visits the property which is being funded. Therefore, he/she needs to have an understanding of the Legal and Valuation framework to be able to perform their role satisfactorily

Key Challenges

While the ABFL Mortgages team also works with retail customers in the property space, the ABHFL business is exposed to the additional Construction Risk, i.e. risk from under construction projects not getting completed as planned. The Risk Team must factor for this when designing and implementing control mechanisms, and evaluating business proposals
ABHFL is in its inception phase as a company and in the midst of rapid growth. The Risk function must therefore be able to balance priorities of risk management and business growth efficiently, without increasing sub-prime exposures or impacting business health and sustainability
The housing space is characterized by state-wise norms and business practices, as well as varied interpretations of regulatory guidelines by different stakeholders. It is therefore essential for Risk function team members to remain up to date on business practices/ norms in their respective states/ locations and work within regulatory guidelines in a manner that minimizes business risk and also supports growth objectives

Enabling Skill Sets & Qualifications

Critical skill sets required to meet these challenges include business and commercial acumen, analytical skills, interpersonal and presentation skills, and execution capabilities
Education & experience required to fulfil this profile are a CA/ MBA – Finance with minimum 0 – 3 yrs of experience in a bank/ NBFC/ HFC

4) Principal Accountabilities

Accountability

Supporting Actions

Underwriting and Portfolio Quality Management

Execute risk and credit operations for basic transactions assigned, in adherence with defined frameworks and principles across ABHFL business lines
Seek guidance from seniors proactively and gather insights on technical aspects as well as state/ property specific considerations for effective risk assessment of individual cases
Liaise with relevant ABFL Risk team members for clarifications on Legal-Technical evaluations, as required

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 to ensure case files are logged appropriately before proceeding to initiate credit operations
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

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.

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

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

5) Job Purpose of Direct Reports

Nil

6) Relationships (If Applicable)

Internal

Frequency

Nature

Regional Credit Manager

Area Credit Managers

Credit Processing Analysts

ABFL Risk

Sales, Operations colleagues

Daily/ Need Based

Need Based

Daily / Need Based

Periodic reporting on risk/ credit trends & performance; escalation/ exception approvals

Inputs on analysis and structuring of complex cases

Coordinate to ensure case files are logged appropriately

Inputs on Legal-Technical reports/ evaluations

Periodic updates, need based coordination on specific cases

External

Frequency

Nature

Business Forums/ Networking Platforms

Customers

Vendors

Half Yearly

Daily

Periodic interfaces to upgrade know-how and awareness on risk/ credit management mechanisms

Conducting Personal Discussions with the customers as part of the underwriting process

Interacting with the various vendors (Lawyers, Valuation agencies and Verification agencies) for reports and monitoring their TAT

Apply Now

Refine Your Search

document verification jobs in dl

Credit Manager- Retail-Delhi

Store Executive Ahmedabad

Sales Executive

Sr. Accountant

Discover related jobs

I want to receive the latest job alerts for document verification in dl

Explore jobs in more locations

Job Description:

1) Job Purpose

Function

Dept.

Section

Remarks

3) Job Context & Major Challenges

4) Principal Accountabilities

5) Job Purpose of Direct Reports

6) Relationships (If Applicable)

Internal

Frequency

Nature

External

Frequency

Nature

Jobseeker tools

Employer Tools

Browse

Stay Connected