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 (India)
🏢 Aditya Birla Capital
📍 India
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