Credit Risk Management Specialist
6 days ago
Key Responsibilities
As a Credit Risk Management Specialist at Aditya Birla Group, you will be responsible for evaluating and monitoring credit risk to ensure a healthy portfolio. This includes assessing industry, business, and financial projections, as well as monitoring critical accounts for early warning signals.
Credit Risk Management
- Evaluate credit risk at pre-sanction stage and monitor post-sanction stage to ensure a healthy portfolio.
- Monitor critical accounts closely for early warning signals through periodic reviews and meetings with promoters/management.
- Review and recommend proposals to the delegated Credit Committee.
- Ensure underwritten credit is of the highest quality while balancing risk management, turnaround time, and customer service.
- Work closely with the Infra legal team to act against defaulting parties.
- Assess expected credit loss of the portfolio and report to Management.
- Ensure overall quality of the lending portfolio by planning and directing all aspects of credit risk.
- Establish an effective credit risk management program for the C&I line of business by driving consistent standards across the organization.
Additional Responsibilities
- Develop formats and norms for approval and institutionalize the prescribed process.
- Liaise with credit committees for closing the approval process.
- Ensure prompt resolution/explanation of queries raised by sanctioning authorities.
- Minimize credit costs/ECL by controlling NPAs.
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