Designation: NA

Location: India Haryana JMD Regent, Gurgaon

Organization: Financial Services

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)

Key Result Areas

Supporting Actions

Underwriting and Portfolio Quality Management

- Implement and oversee execution of zonal risk and credit operations in adherence with defined frameworks and principles across ABHFL business lines
- Liaise with relevant stakeholders (Sales, Operations, Technical) proactively for productive cross-functional coordination and decision making on specific proposals/ escalation/ exception cases
- Analyze and review existing risk management mechanisms in view of industry developments and the long-term business strategy to give inputs on possible refinements
- Communicate with and guide team members on specific cases/ exceptions, providing insights on technical aspects as well as state/ property/ stakeholder 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

Process Efficiency

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Drive process efficiency through the team reinforcing the role of the Risk team as a business enabler without compromising on risk management and business sustainability
- Drive alignment with process-driven coordination mechanisms with Sales, Operations and Technical teams by enabling open communication within and across teams in the zone for alignment on business imperatives and corresponding risk management needs
- Serve as a point of escalation and issue resolution on complex business issues, liaising as required with stakeholders in Sales and Operations teams and escalating to Head – Risk as required




- Ensure collection of Post disbursal documents within assigned time frame.

Risk Compliance & Control

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Monitor compliance with established risk management principles and norms, as well as applicable regulatory requirements (raise potential concerns to Head – Risk in advance), via periodic and need based reviews of relevant MIS, reports, escalation case documents, etc.
- Work and ensure zonal operations are aligned with defined ‘Maker – Checker’ mechanism with Sales and Operations teams in a systematic and process-driven manner, covering key aspects such as exception approvals, collateral valuation, PDD completion, cheque bounce collections, etc.
- Ensure minimal critical observations in Audit and to ensure all observations are resolved within specified TAT’s
- To identify cases under early warning signals and analyse the same.

Collection Efficiency

- Analyse delinquency trends at a zonal level and support RCMs with insights on possible drivers (such as regional economic factors, industry performance, etc.) and addressing mechanisms
- Implement and drive 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 Head – Risk as required
- Track early defaulters and skip cases and support collections team for ensuring resolutions.

Business Growth and Sustainability





- Participate in zonal business decision making and planning, and institutionalize the same partnership orientation down the line, setting clarity on the context for Risk as a dual function to Sales with a clear responsibility for supporting business growth via complementary perspectives and control-centric inputs

Team & Internal Stakeholder Management

- Guide and develop team members to facilitate better risk assessment, underwriting skills and internal stakeholder management via technical skill-up (e.g. proficiency on legal & technical documents, property business practices & norms, etc.), role clarity, and help them achieve superior performance standards
- Nominate teams for relevant technical and behavioral trainings/ seminars and work on self-development initiatives
- Proactively build and maintain relationships with internal stakeholders for smooth cross-functional coordination and alignment towards achievement of function and business objectives cross-functional coordination and alignment towards achievement of function and business objectives

Team & Internal Stakeholder Management

- Guide and develop team members to facilitate better risk assessment, underwriting skills and internal stakeholder management via technical skill-up (e.g. proficiency on legal & technical documents, property business practices & norms, etc.), role clarity, and help them achieve superior performance standards
- Nominate teams for relevant technical and behavioral trainings/ seminars and work on self-development initiatives
- Proactively build and maintain relationships with internal stakeholders for smooth cross-functional coordination and alignment towards achievement of function and business objectives cross-functional coordination and alignment towards achievement of function and business objectives

📌 ABHFL - Zonal Credit Manager - Prime - Gurgaon (Haryana)
🏢 Aditya Birla Group
📍 Haryana