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 zonal risk and credit operations in adherence with defined frameworks and principles across ABHFL business lines
Liaise with relevant stakeholders (Sales, Operations, Technical) proactively for productive cross-functional coordination and decision making on specific proposals/ escalation/ exception cases
Analyze and review existing risk management mechanisms in view of industry developments and the long-term business strategy to give inputs on possible refinements
Communicate with and guide team members on specific cases/ exceptions, providing insights on technical aspects as well as state/ property/ stakeholder 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

Process Efficiency

Drive process efficiency through the team reinforcing the role of the Risk team as a business enabler without compromising on risk management and business sustainability
Drive alignment with process-driven coordination mechanisms with Sales, Operations and Technical teams by enabling open communication within and across teams in the zone for alignment on business imperatives and corresponding risk management needs
Serve as a point of escalation and issue resolution on complex business issues, liaising as required with stakeholders in Sales and Operations teams and escalating to Head – Risk as required
Ensure collection of Post disbursal documents within assigned time frame.

Risk Compliance & Control

Monitor compliance with established risk management principles and norms, as well as applicable regulatory requirements (raise potential concerns to Hea

📌 ABHFL - Zonal Credit Manager - Prime - Gurgaon (India)
🏢 ABC - Aditya Birla Housing Finance
📍 India