Job Description:) 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 AreasSupporting ActionsUnderwriting and Portfolio Quality ManagementImplement and oversee execution of regional risk and credit operations in adherence with defined frameworks and principles across ABHFL business linesLiaise with relevant stakeholders (Sales, Operations) and escalate appropriately for efficient coordination and decision making on specific proposals/ escalation casesCommunicate with and guide team members on specific cases/ exceptions, providing insights on technical aspects as well as state/ property specific considerations for effective risk assessmentEvaluate 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 defaultersEnsure collection of Post disbursal documents within assigned time frame.Process EfficiencyDrive process efficiency through the team across different risk operations, acting as a business enabler without compromising on risk management imperativesWork 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 needsIntervene in escalation/ exception cases, liaising as required with stakeholders in Sales and Operations teams and escalating to Zonal Head – Risk if requiredEffectively managing external vendors to ensure quality of reports & TATEfficiently track Cost and ensure they are within budgeted levels.Risk Compliance & ControlEnsure compliance with established risk management principles and norms via periodic and need based reviews of relevant MIS, reports, escalation case documents, etc.Ensure regional operations are aligned 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.Ensure minimal critical observations in Audit and also to ensure all observations are resolved within specified TAT’s.To identify cases under early warning signals and analyse the same.Collection EfficiencyWork in alignment with process-driven mechanisms for coordination with the Collections/ Operations team on tracking delinquency cases and driving collections efficiently and effectivelyIntervene as required on specific escalation cases for recovery and delinquency/ NPA avoidance; escalate to Zonal Head – Risk as requiredMonitoring of delinquent portfolios. Liaison with key delinquent customers and support collections team for resolutions of all casesReport fraud cases to Risk monitoring team and Zonal/National Risk Head. CasesBusiness Growth and SustainabilityWork in partnership with Sales and Operations colleagues on case-based decision making, and drive the same partnership orientation down the line as wellTeam & Internal Stakeholder ManagementGuide and develop team members to facilitate better risk assessment, underwriting skills and internal stakeholder management via technical skill-up (e.g. proficiency on legal & technical documents, property business practices & norms, etc.) and help them achieve superior performance standards & productivity levelsNominate teams for relevant technical and behavioral trainings/ seminars and work on self-development initiativesMaintain relationships with internal stakeholders for smooth cross-functional coordination and alignment towards achievement of function and business objectivesTeam & Internal Stakeholder ManagementGuide and develop team members to facilitate better risk assessment, underwriting skills and internal stakeholder management via technical skill-up (e.g. proficiency on legal & technical documents, property business practices & norms, etc.) and help them achieve superior performance standards & productivity levelsNominate teams for relevant technical and behavioral trainings/ seminars and work on self-development initiativesMaintain relationships with internal stakeholders for smooth cross-functional coordination and alignment towards achievement of function and business objectives
