AGM – Lead Credit and Risk

Role

Lead – CnC – Credit & Risk

Job Level/ Designation

M2/AGM

Function / Department

Enterprise/Customer Service

Location

Mumbai

Job Purpose

To create and implement credit risk and dunning policy guidelines to be followed nationally by all functions manage credit and fraud risk nationally with a view to minimize bad debts and enhancing revenue for enterprise mobility and non-mobility products, for all lines of products and segments of a portfolio of 7K to 10K crores. To manage pre-due date activities, ensure seamless billing operations i.e. payment posting, verification and credit worthiness assessment, ensure best in class options available for enterprise bill payments, ensure root cause analysis of waivers, incorrect invoicing and pick actions to ensure waivers are kept to minimum via process corrections, governance and interventions via CFT, SSC etc.

Key Result Areas/Accountabilities

5. Creation, review, implementation and monitoring of  National credit policy for VIBS Portfolio across FLX, IOT, Mobility and Fixed Line for Carrier, National Strategic accounts, Govt and SME segments

• To nationally lead the governing policies of verification and credit risk rating, , verification agencies, segmentation policies and all CnC policies
• To implement policy / schemes from a credit monitoring or fraud perspective, lead dunning compliance and dunning policies for all products
• To increase credit bureau assessment of accounts for proper segmentation

5. Governance and review of on-boarding, credit limit assignment, credit monitoring, and implementation of other payment policies such as GST, etc
6. To lead key projects of digitization  of CnC policy and CnC policy launches for new product launches and implementation of IT related enhancements
7. Leverage scale benefits and operating efficiencies (Focus on cost, productivity, business processes fixes and waivers reductions)

Risks, Challenges, Job Context

5. To continuously work on process improvement whilst controlling fraud, exposure and timely credit and risk assessment.
6. To lead and manage payment facilitation and billing operations for enterprises.
7. To enhance pre due date collection, Go Green penetration & Digital payments penetration

Key performance indicators [max 3]:

1. To create and implement the national credits policy, reduce delinquency
2. To reduce bad debts by effective dunning
3. To ensure minimum bill defaults
4. To ensure risk and credit rating for every customer by verification, credit monitoring, waivers, payment posting issues
5. To increase pre-due date collection and ensure bad debt does not exceed NOVA target
6. Ensure cost & waivers are in check, improve productivity and business processes fixes
7. Timely verification & credit worthiness assessment

Core Competencies, Knowledge, Experience

• 10+ years of experience in managing a collections team or portfolio and credit risk
• Experience in managing partner operations for a reputed organization
• Ability to manage “C” level engagement
• Prior experience in B2B or Telecom B2B & Ability to deliver in a dynamic, high- growth, high-uncertainty environment.
• Credit and Risk assessment with dunning
• Sound accounting and analytical skills
• Billing and Account Receivable process understanding
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Must have technical / professional qualifications

Desired Competencies/ Skills

5. Influencing / negotiation skills, effective relationship management skills with a proven ability to function within a matrix and B2B environment
6. Strong analytical skills and ability to balance conflicting business and customer interests
7. Excellent applied thinking, effective communication and presentation skills
8. Ability to create and defend business cases
9. Strong team player & decision making ability
10. Credit risk management for VIBS mobility and non- mobility portfolio
11. Project & Fraud assessment management
12. In depth process / system knowledge

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• University Degree in Business/ MBA along with technical qualifications, or equivalent qualification
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