4) Principal Accountabilities

Underwriting and Portfolio Quality Management

1. Execute risk and credit operations for assigned transactions in adherence with defined frameworks and principles across ABHFL business lines
2. Evaluate and approve proposals as per defined approval matrix, seeking guidance from seniors and assisting peers on specific cases as required
3. Liaise with relevant ABFL Risk team members for Legal-Technical evaluations and clarifications in complex cases, as required

Process Efficiency

1. Execute risk operations efficiently and in a manner that enables business performance while ensuring risk management imperatives
2. Coordinate seamlessly with Credit Processing Analysts and Credit Analysts to ensure files are logged appropriately and analyzed thoroughly 
3. 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

1. Ensure compliance with established risk management principles and norms; compile periodic and need based MIS, reports, escalation case documents, etc.
2. 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

1. Work in alignment with process-driven mechanisms for coordination with the Collections/ Operations team on tracking delinquency cases and driving collections efficiently and effectively
2. Escalate specific/ complex cases, as required, to RCM for recovery and delinquency/ NPA avoidance

Business Growth and Sustainability

1. 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

1. 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
2. Maintain relationships with internal stakeholders for smooth coordination on complex/ escalation/ exception cases