The Risk team provides core underwriting services fundamental to the ABHFL business health, risk management and sustainability. Structured as a dual to the Sales/ Sourcing team, with positions mapped against corresponding Sales roles across the organization, the Risk team is responsible for necessary controls and process checks to ensure business performance and health. While the core responsibility for this function is to control the business via robust underwriting and risk management, supporting business expansion via joint evaluation of different product/ market growth proposals with the Sales team is also an significant contribution.
Key Challenges
While the ABFL Mortgages team also works with retail customers in the property space, the ABHFL business is exposed to the additional Construction Risk, i.e. risk from under construction projects not getting completed as planned.
The Risk Team must factor for this when designing and executing control mechanisms and evaluating business proposals. ABHFL is in its inception phase as a company and in the midst of rapid growth. The Risk function must therefore be able to balance priorities of risk management and business growth efficiently, without increasing sub-prime exposures or impacting business health and sustainability.
KRA1 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
KRA2 Process Efficiency Coordinate seamlessly with Credit Processing Analysts to ensure case files are logged appropriately before proceeding to initiate credit operations
KRA3 Risk Compliance & Control Conduct local risk operations in line with defined Maker, Checker mechanism with Sales and Operatio
📌 Credit Manager (India)
🏢 ABC - Aditya Birla Housing Finance
📍 India
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