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State Credit Manager - Ajmer

Aditya Birla Group -
Rajasthan

Apply Now

Job details

Freelance

Qualifications

Underwriting
Master's degree
Analysis skills
Chartered Accountant
MBA
Communication skills

Full job description

Designation:

Location: India Rajasthan Ajmer

Organization: Financial Services

Job Description:

Job Context & Major Challenges: Write the specific aspects of the job that provide a challenge (internal and external) to the jobholder in the context of the Business/Unit/Function/Department/Section

Organizational Context

Key Aspects:

As the lending arm of Aditya Birla Financial Services Group (ABFSG), Aditya Birla Finance Limited (ABFL) offers specialized lending and financing solutions in the areas of Capital Markets, Corporate/ Trade Finance, Commercial Real Estate and Mortgages. Currently ranked within the top 10 NBFCs of India, ABFL has made significant progress and the Company’s balance sheet at INR 45,000 Cr plus exceeds that of several mid-sized Banks and NBFCs
Having focused traditionally on big ticket secured lending verticals and built a strong balance sheet on the same, ABFL has now also ventured into Small Ticket Secured Lending (STSL) Business segment in order to effectively capitalize on its financial base with carefully managed exposures in this higher yield segment
Small Ticket Secured Loan (STSL) segment products line caters to funding medium to long term working capital needs of small businesses and individuals, via a suite of customized medium and long tenured products which are primarily backed by collaterals/security.
Risk function is engaged in evaluating the creditworthiness of business entity/individual applicants by considering quantitative & qualitative factors like the client credibility, size of the client business, earnings of an individual, capital adequacy, liquidity and management quality

Job Context

Key Aspects:

Portfolio Management –
Business & Financial Management -
Customer Focus -
People/Team Management –
Productivity Management & Improvement –
Process & Quality Improvement -

Key Challenges

To ensure availability of data and information for exhaustive credit appraisals as each of the proposals has their respective structuring complexities as per the customer, product & regulatory requirements.
To build strong rapport with sales teams in order to elicit relevant and important information on customer profiles in order to mitigate risks
To ensure faster TATs for approval of credit proposals in a highly competitive & dynamic market.
To keep abreast with market/ regulatory/ product related insights and trends in order to enhance customer interactions and minimize credit or operational risks
To ensure that credit and customer risk are mitigated while pending documentation is monitored and regularized

Enabling Skill Sets & Qualifications

Critical skill required for this role are a strong analytical acumen, evaluation skills, detail orientation & decision making skills.
The education & experience required to meet this profile are a Chartered Accountant or an MBA with minimum 8 – 10 yrs of experience in credit and risk functions of Banks/NBFCs
Significant exposure to mortgage backed products in the self-employed segment with rich experience in underwriting
Exposure to multiple geographies and location specific considerations
Ability to take wholesome view and deduce patterns arising out of various actions
Flair for numbers and an ability to understand processes read balance sheets and understand customer business models
Systematic & Meticulous and Ability to perform under pressure
Good analytical & logical abilities and Good communication
High resilience, energy & initiative
Demonstrate core company values, including high integrity and ethics
Result oriented

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

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

Process & Quality Improvement -

Regularly Review & Monitor the PDD movement as one of the most important process laid down to be managed by RCM

Bringing in the Process Efficiency & Quality Improvement Initiative, Cost Reduction Initiatives Define credit underwriting standards and processes in accordance with ROC approved guidelines

Process adherence as measured by audit ratings, FTR score and TAT are key deliverables

Job Purpose of Direct Reports: Describe the job purpose of the direct report/s to the job (in 2-3 lines for each report)

Credit Manager/Area Credit Manager

To ensure the smooth flow of the STSL proposals for their region; to drive continuous improvement in credit approval process in order to meet the dynamic business needs; to co-ordinate with RMs, mid-office team, clients, and other agencies to improve upon TATs and instituting mechanisms for complete safety of financed amount and timely regularization of margin shortfall

Apply Now

Refine Your Search

focus improvement manager, ballabgarh jobs in rajasthan

State Credit Manager - Ajmer

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I want to receive the latest job alerts for focus improvement manager, ballabgarh in rajasthan

Explore jobs in more locations

Job Description:

Job Context & Major Challenges: Write the specific aspects of the job that provide a challenge (internal and external) to the jobholder in the context of the Business/Unit/Function/Department/Section

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)

Job Purpose of Direct Reports: Describe the job purpose of the direct report/s to the job (in 2-3 lines for each report)

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