Job Description

Aditya Birla Finance Limited

State Credit Manager - Emerging Markets

Location: Tavarekere Main Road,Bangalore, Karnataka

Job Description

The purpose of this job is:

Review STSL D2C credit proposals, carry out thorough due diligence within stipulated turnaround times and decision of the cases / recommend the same to respective authorities - Zonal Credit Manager, National Risk Manager, Credit Committee for decision/ approvals on the case
Maintain the quality of portfolio by regularly reviewing the portfolio and suggesting for the policy changes accordingly if any
Regularly Review & Monitor the Portfolio Performance, PDD movement and Compliance related matters
Regularly Review & Monitor Vendor Management and closure of Audit queries
Bringing in the Process Efficiency & Quality Improvement Initiative, Cost Reduction Initiatives and Stakeholder Management

Customer Centricity, Productivity and People Management

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 market dynamics in smaller towns
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
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