CM-Bhiwadi Retail

About the Role

The purpose of this job is to execute risk and credit operations on basic transactions, ensuring sound portfolio quality management. This role coordinates with Sales, Operations, and Technical colleagues for efficient risk management.

Key Responsibilities

• Underwriting and Portfolio Quality Management
• Execute risk and credit operations for assigned basic transactions, adhering to defined frameworks and principles.
• Seek guidance from seniors on technical aspects and property-specific considerations for effective risk assessment.
• Liaise with Legal, Technical, and other verification vendors for evaluations and clarifications in complex cases.
• Monitor bounce rates as per threshold limits.
• Process Efficiency
• Execute risk operations efficiently to enable business performance while ensuring risk management imperatives.
• Coordinate seamlessly with Credit Processing Analysts for appropriate case file logging.
• Work with Sales and Operations teams for effective decision making and problem solving.
• Effectively manage external vendors to ensure report quality and turnaround time (TAT).
• Track costs to ensure they are within budgeted levels.
• Ensure accurate data capture in LOS and maintain high quality of documentation.
• Ensure collection of post-disbursal documents within the assigned timeframe.
• Risk Compliance & Control
• Ensure compliance with established risk management principles and norms.
• Compile periodic and need-based MIS, reports, and escalation case documents.
• Conduct local risk operations in line with the ‘Maker – Checker’ mechanism with Sales and Operations teams.
• Ensure minimal critical observations in audits and resolve all observations within specified TATs.
• Collection Efficiency
• Seek development to execute better risk assessment and loan underwriting through technical skill-up (e.g., proficiency on legal & technical documents, property business practices & norms).
• Maintain relationships with internal stakeholders for smooth coordination on complex/escalation/exception cases.

Requirements & Tech Stack

• CA/ MBA – Finance
• Experience in a bank, NBFC, or HFC.
• Strong business and commercial acumen.
• Analytical skills.
• Good stakeholder management and presentation skills.
• Team management and execution capabilities.
• Proficiency on legal & technical documents, property business practices & norms.
• Familiarity with LOS.