- Principal Accountabilities
Accountability
Supporting Actions
Underwriting and Portfolio Quality Management
- Execute risk and credit operations for assigned transactions in adherence with defined frameworks and principles across ABHFL business lines
- Evaluate and approve proposals as per defined approval matrix, seeking guidance from seniors and assisting peers on specific cases as required
- Liaise with relevant ABFL Risk team members for Legal-Technical evaluations and clarifications in complex cases, as required
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 and Credit Analysts to ensure files are logged appropriately and analyzed thoroughly
- Work as per process-driven 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
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.
Collection Efficiency
- Work in alignment with process-driven 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
Business Growth and Sustainability
- Work in partnership with Sales and Operations colleagues on case based decision making for effective support on business growth and sustainability
Self-Development & Internal Stakeholder Coordination
- Seek development to execute better risk assessment and loan underwriting via technical skill-up (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
