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Area Credit Manager

Aditya Birla Group
Fresher
Rajpur, Dehradun, India
  • Posted 6 hours ago
  • Be among the first 10 applicants

Job Description

Job Description

4) Key Result Areas:Writethe 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)-Maximum 10 KRAs can be updated

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 Salaried / Self Employed market dynamics for STSL 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

Strong 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

More Info

Job Type:
Permanent Job
Role:
NA
Employment Type:
Full time

About Company

Job ID: 153124083

Last Updated: 27-08-2026 09:26:37 AM
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