Key Result Areas
Supporting Actions

Underwriting and Portfolio Quality Management
- Execute risk and credit operations for assigned transactions in adherence with defined frameworks and principles across ABHFL business lines
- Evaluate and approve proposals as per defined approval matrix, seeking guidance from seniors and assisting peers on specific cases as required
- 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 and Credit Analysts to ensure files are logged appropriately and analyzed thoroughly
- 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, collateral valuation, PDD completion, cheque bounce collections, etc.
- Ensure minimal critical observations in Audit and also to ensure all observations are resolved within specified TAT’s.

Collection Efficiency
- Work in alignment with process-driven

📌 Area Credit Manager (Gujarat)
🏢 Aditya Birla Capital
📍 Gujarat