Punjab Risk manager Jobs – 137 Open Jobs Today

ABHFL-Area Credit Manager-Retail- Ludhiana
Aditya Birla Group —Punjab
- Finance
- Master's degree
- Analysis skills
5d
Project Coordinator
One5 Lab —Mohali, Punjab
- ₹20,000 - ₹30,000 a month
- Full-time
- Sales
- Business development
- Project management
- Paid time off
- Flexible schedule
Quick apply
3d
Product Manager- API & Algo
FINVASIA CAREER —Mohali, Punjab
- Analysis skills
- Product management
- Software development
Quick apply
14h
Sales Manager- DSA-Retail-Kharar
Aditya Birla Group —Punjab
5d
Solution Architect
TRU IT —Mohali, Punjab
- Full-time
- Hybrid work
- Azure
- DevOps
- SQL
Quick apply
Senior Project Manager
Finvasia —Mohali, Punjab
- Up to ₹26,00,000 a year
- Full-time
- PMP
- Analysis skills
- Project management
- Health insurance
Quick apply
2d
Senior Scrum Master
Finvasia —Mohali, Punjab
- Up to ₹25,00,000 a year
- Full-time
- PMP
- Analysis skills
- Project management
- Health insurance
Quick apply
2d
Deputy General Manager (Civil)
CGC University Mohali —Mohali, Punjab
- ₹80,000 - ₹1,50,000 a month
- Full-time
- Civil engineering
- Master's degree
- Project management
Quick apply
3d
Team Leader/Project Manager
NOVEL IT SERVICES —Kharar, Punjab
- ₹25,000.42 - ₹30,000.00 a month
- Full-time
- Project management
- Software development
- Agile
Quick apply
1d
Assistant Manager- HSE
Mondelēz International —Malanpur, Punjab
- Full-time
- B.Sc
- Data analysis skills
- Master's degree
2d
Project Coordinator (IT Company)
Pal InfoCom Technologies —Mohali, Punjab
- Microsoft Powerpoint
- Microsoft Word
- Microsoft Excel
2d
Logistics Safety & Compliance
Southsquar Execution Private Limited —Mohali, Punjab
- ₹20,000 - ₹50,000 a month
- Full-time
- In-person
- Commuter assistance
- Food provided
Quick apply
2d
Senior Project Manager
75way Technologies PVT. LTD. —Mohali, Punjab
- Full-time
- Project management
- Bachelor's degree
- Software development
- Health insurance
- Paid time off
Quick apply
17h
QA Lead
Primotech —Mohali, Punjab
- ₹8,00,000 - ₹12,00,000 a year
- Full-time
- Java
- JavaScript
- APIs
- Paid time off
- Paid sick time
Quick apply
9h
Purchase Manager
WINDOW WORLD —Mohali, Punjab
- ₹30,000 - ₹65,000 a month
- Full-time
- Inventory management
- Engineering
- Windows
- Health insurance
- Paid time off
Quick apply
3d
Project Coordinator web and mobile
Henceforth Solutions —Mohali, Punjab
- From ₹25,000 a month
- Full-time
- Computer Science
- English
- Databases
Quick apply
3d
Operation Executive
Kuber financial services pvt ltd —Zirakpur, Punjab
- ₹15,000 - ₹20,000 a month
- Full-time
- Microsoft Excel
- Microsoft Office
- Finance
- Health insurance
- Paid sick time
Quick apply
4d
Staff Nurse
Nova IVF Fertility a Unit of Rhea Healthcare Pvt Ltd —Jalandhar, Punjab
- ₹15,000 - ₹25,000 a month
- Full-time
- Nursing
- Bachelor's degree
- Patient care
- Health insurance
Quick apply
3d
Staff Nurse
Mind Plus Healthcare Pvt. Ltd. —Doraha, Punjab
- ₹15,000 - ₹18,000 a month
- Full-time
- Nursing
- Bachelor's degree
- Patient care
Quick apply
4d

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ABHFL-Area Credit Manager-Retail- Ludhiana

Aditya Birla Group -
Punjab

Apply Now

Job details

Freelance
5 days ago

Qualifications

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

Full job description

Designation:

Location: India Punjab Feroze G Mkt Ludhiana

Organization: Financial Services

Job Description:

Job Purpose

The purpose of this job is to execute risk and credit operations on assigned transactions in alignment with established frameworks and processes, ensuring effective and efficient loan underwriting across ABHFL service offerings for sound portfolio quality management. This role is expected to take approval decisions as per approval matrix after due creditworthiness and risk assessment ensuring process adherence, and coordinate with Sales, Operations and Technical team colleagues to ensure robust risk management operations.

Job Context & Major Challenges

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.

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 4-7 yrs of experience in a bank/ NBFC/ HFC, of which at least recent 2- 3 yrs experience should be in managing risk and underwriting in an HFC.

Key Result Areas

KRA (Accountabilities) (Max 1325 Characters)

Supporting Actions (Max 1325 Characters)

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

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risk manager jobs in punjab

ABHFL-Area Credit Manager-Retail- Ludhiana

Project Coordinator

Product Manager- API & Algo

Sales Manager- DSA-Retail-Kharar

Solution Architect

Senior Project Manager

Senior Scrum Master

Deputy General Manager (Civil)

Team Leader/Project Manager

Assistant Manager- HSE

Project Coordinator (IT Company)

Logistics Safety & Compliance

Senior Project Manager

QA Lead

Purchase Manager

Project Coordinator web and mobile

Operation Executive

Staff Nurse

Staff Nurse

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