Designation: Team Member - Planner

Location: India Maharashtra R-Tech Park Goregaon

Organization: Financial Services

Job Description:

Job Description

Team Member - Credit Monitoring

Designation: Team Member - Credit Monitoring
Department: Credit Monitoring
Location: As per business requirement
Reporting To: Manager / Senior Manager - Credit Monitoring

About the Role

The Team Member - Credit Monitoring will be responsible for monitoring the health of the credit portfolio, conducting credit analysis, identifying early warning signals, tracking delinquency trends, and ensuring adherence to internal credit policies and regulatory guidelines. The role requires close coordination with Credit, Risk, Business, Collection, and Operations teams to proactively manage portfolio quality and mitigate credit risk.

Key Responsibilities

Credit Analysis & Portfolio Monitoring

- Conduct detailed financial and credit analysis of existing borrower accounts.
- Monitor portfolio performance through regular review of financial, operational, and repayment indicators.
- Assess borrower performance against approved credit parameters and covenants.
- Analyze financial statements, cash flows, banking behavior, and business performance.
- Prepare portfolio review reports highlighting key observations and risk indicators.

Risk Monitoring & Early Warning Detection

- Identify and track Early Warning Signals (EWS) across borrower accounts.
- Monitor account irregularities, overdue trends, declining business performance, and adverse market developments.
- Escalate potential risk cases in a timely manner to relevant stakeholders.
- Recommend risk mitigation measures and corrective actions.

Credit Review & Compliance

- Ensure compliance with approved credit terms, internal policies, and regulatory requirements.
- Conduct periodic account reviews and portfolio audits.
- Track documentation, credit covenants, and regulatory compliance requirements.




- Support internal and external audit processes.

MIS & Reporting

- Prepare and present periodic portfolio monitoring reports and dashboards.
- Analyze delinquency trends, concentration risks, sectoral exposures, and portfolio movements.
- Generate actionable insights for senior management through data-driven reporting.
- Maintain accuracy and integrity of credit monitoring MIS.

Stakeholder Management

- Coordinate with Credit, Risk, Sales, Operations, Collections, and Legal teams for timely closure of observations.
- Support resolution of credit-related issues and portfolio quality concerns.
- Participate in portfolio review discussions and risk committees as required.

Desired Qualifications

- Bachelor's degree in Commerce, Finance, Accounting, Economics, or related discipline.
- MBA (Finance) / CA Inter / CFA (preferred).

Experience

- 2-5 years of experience in Credit Monitoring, Credit Risk, Credit Analysis, Portfolio Management, or related functions within NBFCs, Banks, or Financial Institutions.

Key Skills

- Credit Analysis and Financial Statement Analysis
- Portfolio Monitoring and Risk Assessment
- Early Warning Signal Identification
- Credit Risk Management
- Financial Modelling and Ratio Analysis
- MIS and Reporting
- Advanced Excel and Data Analysis
- Robust Analytical and Problem-Solving Skills
- Stakeholder Management
- Attention to Detail and Compliance Orientation

Key Competencies

- Analytical Thinking
- Risk Awareness
- Decision Making
- Business Acumen
- Process Orientation
- Communication and Collaboration
- Continuous Improvement Mindset

Success Metrics

- Timely identification and escalation of risk accounts.
- Portfolio quality and delinquency control.
- Accuracy and timeliness of credit monitoring reports.
- Compliance with internal policies and regulatory requirements.
- Effective closure of observations and audit findings.

Aditya Birla Capital is committed to fostering a diverse and inclusive workplace and encourages qualified professionals to be part of its growth journey.

📌 Credit Monitoring - SME Retail - Mumbai (Maharashtra)
🏢 Aditya Birla Group
📍 Maharashtra