Job Purpose The purpose of this job is to execute risk and credit operations on the basic transactions assigned, as per established frameworks and processes, ensuring sound portfolio quality management. Further, this role coordinates with Sales, Operations and ABFL Risk colleagues to ensure efficient and effective risk management operations. Job Context & Major Challenges Job Context Key Aspects: The Risk team provides core underwriting services fundamental to the ABHFL business health, risk management and sustainability. Structured as a dual to the Sales/ Sourcing team, with positions mapped against corresponding Sales roles across the organization, the Risk team is responsible for necessary controls and process checks to ensure business performance and health While the core responsibility for this function is to control the business via robust underwriting and risk management, supporting business expansion via joint evaluation of different product/ market growth proposals with the Sales team is also an important contribution The Credit Manager plays the role of executing risk and credit operations in line with established guidelines and norms, and securing the organization against diverse risks in local business operations via process measures and checks. This role is responsible for ensuring robust and efficient creditworthiness and risk assessment. He/ She is the “ears on the ground” member of the Risk Team who meets every customer as part of the underwriting process and also visits the property which is being funded. Therefore, he/she needs to have an understanding of the Legal and Valuation framework to be able to perform their role satisfactorily. Key Challenges While the ABFL Mortgages team also works with retail customers in the property space, the ABHFL business is exposed to the additional Construction Risk, i.e. risk from under construction projects not getting completed as planned. The Risk Team must factor for this when designing and implementing control mechanisms, and evaluating business proposals ABHFL is in its inception phase as a company and in the midst of rapid growth. The Risk function must therefore be able to balance priorities of risk management and business growth efficiently, without increasing sub-prime exposures or impacting business health and sustainability The housing space is characterized by state-wise norms and business practices, as well as varied interpretations of regulatory guidelines by different stakeholders. It is therefore essential for Risk function team members to remain up to date on business practices/ norms in their respective states/ locations and work within regulatory guidelines in a manner that minimizes business risk and also supports growth objectives Enabling Skill Sets & Qualifications Critical skill sets required to meet these challenges include business and commercial acumen, analytical skills, interpersonal and presentation skills, and execution capabilities Education & experience required to fulfil this profile are a CA/ MBA – Finance with minimum 0 – 3 yrs of experience in a bank/ NBFC/ HFC Key Result Areas KRA (Accountabilities) (Max 1325 Characters) Supporting Actions (Max 1325 Characters) KRA1 Underwriting and Portfolio Quality Management Execute risk and credit operations for basic transactions assigned, in adherence with defined frameworks and principles across ABHFL business lines Seek guidance from seniors proactively and gather insights on technical aspects as well as state/ property specific considerations for effective risk assessment of individual cases Liaise with relevant ABFL Risk team members for clarifications on Legal-Technical evaluations, as required KRA2 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 to ensure case files are logged appropriately before proceeding to initiate credit operations 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 KRA3 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. KRA4 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