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 (India)
🏢 Financial services
📍 India