Key Result Areas
Supporting Actions
- 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)

Underwriting and Portfolio Quality Management
- Execute risk and credit operations for basic transactions assigned, in adherence with defined frameworks and principles across ABHFL business lines
- Seek guidance from seniors proactively and gather insights on technical aspects as well as state/ property specific considerations for effective risk assessment of individual cases
- Liaise with relevant Legal, Technical and other verification vendors for Legal-Technical evaluations and clarifications in complex cases, as required
- Monitor the bounce rates as per threshold limits.

Process Efficiency
- Execute risk operations efficiently and in a manner that enables business performance while ensuring risk management imperatives




- Coordinate seamlessly with Credit Processing Analysts to ensure case files are logged appropriately before proceeding to initiate credit operations
- Work as per process-driven coordination mechanisms with Sales and Operations teams for effective decision making and problem solving in line with business and risk management needs; escalate to RCM as required.
- Effectively managing external vendors to ensure quality of reports & TAT
- Efficiently track Cost and ensure they are within budgeted levels.
- Ensure accurate data capture in LOS and maintain high quality of documentation.
- Ensure collection of Post disbursal documents within assigned time frame.

Risk Compliance & Control
- Ensure compliance with established risk management principles and norms; compile periodic and need based MIS, reports, escalation case documents, etc.
- Conduct local risk operations in line with defined ‘Maker – Checker’ mechanism with Sales and Operations teams in a systematic manner, across key aspects such as exception approvals, c

📌 ABHFL - Credit Manager - Informal - Howrah (West Bengal)
🏢 Aditya Birla Capital
📍 West Bengal