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 effective 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, etc.
Ensure region

📌 ABHFL- Regional Credit Manager (India)
🏢 Aditya Birla Capital
📍 India