Sr Credit Manager

Enriching Lives Winning as ONEABC Company Info Aditya Birla Capital Limited ABCL is the holding company for the financial services businesses of the Aditya Birla Group With subsidiaries JVs that have a strong presence across Protecting Investing and Financing solutions ABCL is a financial solutions group that caters to the diverse needs of its customers across their life cycle Powered by more than 38 000 employees the businesses of ABCL have a nationwide reach with over 1300 branches more than 2 00 000 agents channel partners and various bank partners Aditya Birla Finance Limited Aditya Birla Finance Limited ABFL a subsidiary of Aditya Birla Capital Limited is among the leading well-diversified non-banking financial services company in India ABFL offers customized solutions in the areas of personal finance mortgage finance SME finance corporate finance wealth management debt capital markets and loan syndication What makes an ideal ABC CitizenAt ABC we are constantly on the lookout for individuals who resonate with our 5 core values of Speed Passion Integrity Seamlessness and commitment and live them every day while also understanding our vision We believe in building leaders who thrive on challenges take the onus of creating and sustaining strong teams and forms strong networks as a result of effective relationship-building Role Details BusinessAditya Birla CapitalUnitAditya Birla Finance LimitedLocationKolkata ChennaiRoleSenior Credit ManagerDepartmentCredit Wholesale SolutionsEligibility CriteriaCA MBARequired Skills Competencies Analytical thinking and attention to detail Investigative and fraud detection skills Integrity and strong ethical standards Effective communication and reporting Process orientation and innovative mindset Networking and stakeholder management Ability to conduct training and awareness sessions Flexibility for travel and on-ground investigations Technical proficiency in MIS and fraud systems Key Responsibilities Key Result Areas Max 1325 Characters Supporting Actions Max 1325 Characters To prepare documentation highlighting the viability of credit lending proposals based on institutionalized processes and dynamic market information To take up decision proposals within delegated authority Following the developed formats and norms for approval ensure their ratification within the team and from approval authorities in the system and institutionalize the prescribed process To ensure revert back to the sales teams with analysis of the broad parameters for considering or not considering the given proposal To engage with the Channel partners DSAs and other distributors in understanding the proposals submitted and extracting the relevant supporting information To suggest measures for ensuring workability of the loan proposals to the RMs keeping risk in check like suggesting risk mitigation for the identified risks To continuously update the sales teams on the broad parameters for validating lending proposals provide regular trainings to RMs for the same To ensure efficient Turnaround time TATs for validating the proposals To ensure prompt resolution explanation of queries raised by sanctioning authorities To regularly provide inputs for new products processes credit lending norms To provide inputs and suggest amendments for various lending norms like Risk Matrix Interest Rate Policy Credit Authorization Matrix Risk Universe Newer Product Policy Processses to be adopted keeping the current regulatory and compliance environment To undertake improvements in approval notes and other processes to meet dynamic market environment and needs of new customer segments To perform portfolio monitoring and analytics for effective risk monitoring To monitor the C I portfolio performance by continual analysis of fundamentals reviewing the ratings analyze the covenants and evaluate industry performance in that sector To devise various analytical tools to measure the portfolio health from various angles and highlight xe2x80x98early warning signals To review the covenants of loan proposals at frequent intervals and undertake action for serious deviations To review reports and analytics on repayment schedules covenant monitoring modification in terms and loan sanction etc xc2xa7 Protect from potential loss on the credit portfolio by detecting early warning signals of deteriorating risks and advising these to the Relationship Managers and senior management To construct monitor and highlight MIS to the business head and the RMs for better business understanding To monitor the status of all important initiatives with the RMs and update them support the RMs for closure To report sales vs budget variations review trends and provide inputs for various presentations Refer the links to know more Growth Culture at ABC Stay updated with Life at ABC - 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