) 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 regional risk and credit operations in adherence with defined frameworks and principles across ABHFL business lines
- Liaise with relevant stakeholders (Sales, Operations) and escalate appropriately for productive coordination and decision making on specific proposals/ escalation cases
- Communicate with and guide team members on specific cases/ exceptions, providing insights on technical aspects as well as state/ property 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.
- Monitor the bounce rates and portfolio delinquency buckets as per threshold limits and report early defaulters
- Ensure collection of Post disbursal documents within assigned time frame.
Process Efficiency
- Drive process efficiency through the team across different risk operations, acting as a business enabler without compromising on risk management imperatives
- Work as per and guide team members towards process-driven coordination mechanisms with Sales and Operations teams for effective decision making and problem solving in line with business and risk management needs
- Intervene in escalation/ exception cases, liaising as required with stakeholders in Sales and Operations teams and escalating to Zonal Head – Risk if required
- Effectively managing external vendors to ensure quality of reports & TAT
- Efficiently track Cost and ensure they are within budgeted levels.
Risk Compliance & Control
- Ensure compliance with established risk management principles and norms via periodic and need based reviews of relevant MIS, reports, escalation case documents