Key Result Areas (Max 1325 Characters) Supporting Actions (Max 1325 Characters) Portfolio Management - 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 Solid 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 Group
📍 India