Team Member - Credit Monitoring - CF - Mumbai

Actively Reviewing

Aditya Birla Capital

Maharashtra Full-Time 4–8 yrs exp Posted 6 hours ago · Apply by Sep 14, 2026

Job Description

Managing credit monitoring Team

Manage credit monitoring division for Construction Finance, SME - Institutional

To build a robust credit coverage and Credit monitoring system

Focus on identification, measuring, monitoring, and managing the risks (including credit, operational, market risks etc.) in the overall portfolio and individual borrowers
Gathering market intelligence about the borrower and industry through:
Regular lesioning with borrower’s bankers, credit rating agencies, CIBIL etc.
Regular meeting with company’s management and its supply chain stakeholders
Interacting with other industry players, wherever possible
Any other sources of information that are available
Taking responsibility of managing the overall credit quality of the portfolio
To have risk awareness about macro and sectoral issues related to various sectors where the division has lent and is looking for business opportunities
Benchmark the internal credit monitoring policy to the industry and keep improving upon the same
To monitor the compliance of internal and regulatory guidelines etc.

To perform portfolio monitoring and leverage data analytics for effective Credit monitoring & formulate compliance processes for new and existing business

To monitor the portfolio performance by continual analysis of fundamentals & reviewing the ratings, analyses the covenants and evaluate industry performance in that sector
Regularly updating on the pending compliances, gaps in security creation and perfection to be duly highlighted to the senior management including credit committee etc.
Regularly track and evaluate the collaterals using Collateral Management System or any other process/system and suggest mitigant steps to preserve/recover the value of the collaterals as the case may be
Empanel and use the services of established and on ground valuers to identify any impairment in the collateral and take appropriate steps
Devise risk-based data analytics tools, including Collateral Management System and pending compliances etc., that are constantly evolving and gradually can be used to predict the ‘Early Warning’ signals
Use statistical models to standardize and improve lending decisions
To make sure that all the post sanction compliances are regularly met and adhered to
Ensuring proper end use of funds, adequate insurance cover of borrower’s assets, legal documentations are complete and valid etc
Monitoring escrow statements and cash flow performance of the project and the borrower
Keep track of the timely receipt of all payments from the borrowers and to ensure that ABFL’s security and security cover are constantly monitored and safeguarded
Conduct regular site visits and periodic meetings with company’s management wherever required and feasible
Suggest and initiate actions when risk metrics are breached or have potential to be breached and follow up on the action items as advised by the management
To regularly upgrade credit procedures & ensure their compliance with internal & external rules of lending

Monitoring & Risk Identification of Under Construction and operational Projects

Keeping track and monitoring of the under construction, along with Business & Credit Team, including physical and financial progress.
Using latest technology such as satellite image analytics, artificial intelligence, machine learning, among others to enable risk identification, monitoring and field level interventions
Using remote project monitoring tools to identify and predict project delays and losses
Evaluating cost and time overrun, if any of the projects and suggesting mitigating measures for the same.
Regular interaction with project stakeholders including LIE, other lenders of the project etc.
Attending Lenders/consortium meetings, Investor calls etc .
To review reports and analytics on repayment schedules, covenant monitoring, modification in terms and loan sanction, etc
Undertake regular site visit of operational / under construction projects to keep track of the project assets and identify any gaps, which can be used to safeguard the project assets.

To manage a robust documentation mechanism for business proposals & develop MIS reporting for areas under credit management.

To ensure efficient Turnaround time (TATs) by the Credit and Operations team for validating and processing the proposals

To maintain accurate reports & analysis of portfolio risk variances & trends for the lending portfolio
To present periodic MIS to the Head – Credit Monitoring and other internal and external stakeholders
To effectively deploy processes and mechanisms for ensuring high quality TATs for validating lending proposals & share the same with all concerned
To ensure prompt resolution/ explanation of queries raised by sanctioning authorities

FP&A Role with 3 resources