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AGM-Lead-Credit & Risk

Job Req ID:  50321
Location: 

Mumbai, Maharashtra, IN

Function:  VIBS
About: 

Vodafone Idea Limited is an Aditya Birla Group and Vodafone Group partnership. It is India’s leading telecom service provider. The Company provides pan India Voice and Data services across 2G, 3G and 4G platform. With the large spectrum portfolio to support the growing demand for data and voice, the company is committed to deliver delightful customer experiences and contribute towards creating a truly ‘Digital India’ by enabling millions of citizens to connect and build a better tomorrow. The Company is developing infrastructure to introduce newer and smarter technologies, making both retail and enterprise customers future ready with innovative offerings, conveniently accessible through an ecosystem of digital channels as well as extensive on-ground presence. The Company is listed on National Stock Exchange (NSE) and Bombay Stock Exchange (BSE) in India.

 

We're proud to be an equal opportunity employer. At VIL, we know that diversity makes us stronger. We are committed to a collaborative, inclusive environment that encourages authenticity and fosters a sense of belonging. We strive for everyone to feel valued, connected and empowered to reach their potential and contribute their best.

 

VIL's goal is to build and maintain a workforce that is diverse in experience and background but uniform in reflecting our Values of Passion, Boldness, Trust, Speed and Digital. Consequently, our recruiting efforts are directed towards attracting and retaining best and brightest talents. Our endeavour is to be First Choice for prospective employees.

 

VIL ensures equal employment opportunity without discrimination or harassment based on race, colour, religion, creed, age, sex, sex stereotype, gender, gender identity or expression, sexual orientation, national origin, citizenship, disability, marital and civil partnership/union status, pregnancy, veteran or military service status, genetic information, or any other characteristic protected by law.

 

VIL is an equal opportunity employer committed to diversifying its workforce.

     

1) Organisation Structure

  

NATIONAL VIBS Billing & CnC HEAD > Head Billing, Credit and Resolution > Lead– Credit & Risk

  
     

 

 

  

2) Job Purpose

 

The Lead Credit and Risk governs national credit policy, dunning execution, and fraud risk management across Vi's Enterprise portfolio — covering VIBS Mobility, Fixed Line, IoT, FLX, Carrier, and SME segments. This role ensures credit limits are correctly assigned, dunning is executed per policy, exceptions are managed within the Delegation of Authority (DOA) framework, and internal compliance requirements are met — directly reducing bad debt exposure and protecting enterprise revenue.

  
 
 
 
     

3) Key Accountabilities / Key Result Areas

 
  • Own national dunning policy implementation across all Enterprise LOBs
  1. Ensure dunning actions are executed on schedule and per agreed process for all segments — Mobility, Fixed Line, IoT, FLX, Carrier, and ISP.
  2. Control restorations without payment and manage exceptions within the DOA approval framework
  3. Implement Carrier and ISP-specific dunning policies and monitor adherence at national level
  
  1. Govern credit monitoring and credit limit assignment across the enterprise portfolio
  2. ensure correct credit limit assignment for all LOBs through structured credit scoring and bureau-based assessment.
  3. Monitor Carrier ILD exposure and take timely action to reduce ISD/ILD risk.
  4. Track FRS alerts and manage credit exposure reduction through proactive intervention
  • Manage exception governance and restoration-without-payment controls.
  1.  Ensure all exceptions carry valid DOA approval and are logged with complete audit trail
  2. Drive reduction in repeat restorations without payment through root cause analysis and process correction

 

  

4) Core Competencies, Knowledge, Experience, Technical / Professional Qualifications

 
  • Technical/ Functional Competencies
  1. Enterprise Credit Risk Management & Policy Governance
  2. Dunning Process Design and Execution (B2B Telecom)
  3. Fraud Risk Assessment & Exception Management
  • Behavioural & Leadership Competencies
  1. Analytical Thinking
  2. First-Time-Right Approach
  3. Accountability and Ownership
  4. Stakeholder Management
  5. Digital Mindset
  

7) Risks, Challenges, Job Context

 

Operating within a highly volatile telecom landscape that demands rapid adaptation of credit thresholds and dunning protocols to limit bad debt without disrupting competitive customer. Managing complex billing frameworks across multiple commercial structures (Mobility, Non-Mobility and corporate accounts) where localized system integration delays directly threaten cash flow lifecycles

  
 
 
 
     

8) Job purpose of Direct Reports & Dotted Reports

  

Direct Report / Dotted Report Position

Job Purpose

  

Agency Partners

Execute ground-level Credit limit and dunning processes and protocols, and follow up on localized dunning escalations according to central credit risk guidelines.

  

 

Vodafone Idea Limited (formerly Idea Cellular Limited)
An Aditya Birla Group & Vodafone partnership

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