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)- Maximum 10 KRAs can be updated

Key Result Areas (Max 1325 Characters)

Supporting Actions (Max 1325 Characters)

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 Prime LAP 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

Robust 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

📌 Area Credit Head (Kanpur)
🏢 Financial services
📍 Kanpur