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Regional Credit Manager

Aditya Birla Group -
Maharashtra

Apply Now

Job details

Freelance

Qualifications

Finance
Master's degree
Analysis skills
Presentation skills
Team management
MBA

Full job description

Designation:

Location: India Maharashtra G-Corp Tech Park, Thane

Organization: Financial Services

Job Description:

Organizational Context

Key Aspects:

Part of the Aditya Birla Capital Limited, 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 has grown at a steady rate 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 segments like Affordable 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 is poised for rapid growth and plans to grow 5X (40,000 Cr) in the next 5 years. This shall take ABHFL within the top 5 percentile of HFCs in the country.

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 Head – Risk plays a vital role in securing the organization against diverse risks in the course of business operations. This role is responsible for setting up requisite underwriting and risk management frameworks and processes for robust and efficient creditworthiness and risk assessment, and consequent inputs for business decisions (loan approval/ rejection, business expansion, etc.)

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 executing 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 the Risk function to remain up to date on business practices/ norms across the country 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 strong business and commercial acumen, analytical skills, good stakeholder management and presentation skills, and team management and execution capabilities.
Education & experience required to fulfil this profile are a CA/ MBA – Finance with minimum 8-12 yrs of experience in a bank/ NBFC/ HFC, of which at least recent 4-5 yrs experience should be in managing risk and underwriting in an HFC.

4) 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

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 and assist team members on specific approval cases as required.
Monitor the bounce rates and portfolio delinquency buckets as per threshold limits and report early defaulters
Ensure collection of Post disbursal documents within assigned time 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 as required with stakeholders in Sales and Operations teams and escalating to Zonal Head – Risk if required
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 ‘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 TAT’s.
To identify cases under early warning signals and analyse the 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 as required on specific escalation cases for recovery and delinquency/ NPA avoidance; escalate to Zonal Head – Risk as required
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

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Job Description:

4) 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)

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