Experience
3 - 8 yrs
Job Location
Chennai, India
Vacancy
1
Designation
Retail Credit Manager
Job Type
ONSITE
Job Description
Job Purpose
The purpose of this job is to execute risk and credit operations on the basic transactions assigned, as per established frameworks and processes, ensuring sound portfolio quality management. Further, this role coordinates with Sales, Operations and ABFL Risk colleagues to ensure efficient and effective risk management operations
KRA (Accountabilities)
- 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
- Seek guidance from seniors proactively and gather insights on technical aspects as well as state/ property specific considerations for effective risk assessment of individual cases
- Liaise with relevant ABFL Risk team members for clarifications on LegalTechnical evaluations, as required
- KRA2 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 to ensure case files are logged appropriately before proceeding to initiate credit operations
- Work as per processdriven 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
- KRA3 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.
- KRA4 Collection Efficiency
- Work in alignment with processdriven mechanisms for coordination with the Collections/ Operations team on tracking delinquency cases and driving collections efficiently and effectively
- Escalate specific/ complex cases, as required, to RCM for recovery and delinquency/ NPA avoidance
- KRA5 SelfDevelopment Internal Stakeholder Coordination
- Seek development to execute better risk assessment and loan underwriting via technical skillup (e.g. proficiency on legal technical documents, property business practices norms, etc.) and role clarity
- Maintain relationships with internal stakeholders for smooth coordination on complex/ escalation/ exception cases