ABHFL - Area Credit Manager - Retail - N...

PeopleStrong; Indore District; On-site; INR 1,200,000 - 2,000,000; Full time

Job summary

AB Housing Finance Limited seeks a Regional Credit Manager to execute and drive regional risk and credit operations across service offerings, ensuring sound underwriting and portfolio health. You will coordinate with Sales, Operations and Technical teams, make decisions per approval matrix, and guide analysts to maintain high-quality documentation and timely post-disbursal actions.

This role requires 4–8 years of experience in credit, with strong awareness of legal-technical verifications and

Qualifications

• Credit knowledge and underwriting experience.
• Unknown degree requirement specified.

Responsibilities

• Underwriting and Portfolio Quality Management: Execute risk and credit operations across ABHFL service lines.
• Process Efficiency: Coordinate with Credit Processing Analysts and Sales/Operations for timely decisions.
• Vendor & Data Management: Manage external vendors, ensure data capture in LOS, and maintain documentation quality.

Skills

Credit

Education

Unknown Degree

Job description

ABHFL - Credit Manager - Retail - Biaora...

ABG108761

• Financial Services
• Madhya Pradesh

Posted On 28 Jul 2026

End Date 24 Jan 2027

Required Experience 4 - 8 years

Basic Section

No. Of Position 2

Grade 11

Level NA

Organisational

BUSINESS_UNIT-1 AB Housing Finance Limited

BUSINESS_UNIT-2 AB Housing Finance Limited

BUSINESS_UNIT-3 AB Housing Finance Limited

DEPARTMENT-1 Credit

Country India

Skills

Skill

Credit

Unknown Degree

CERTIFICATION

Job Description

Job Purpose

The purpose of this job is to execute and drive regional risk and credit operations as per established frameworks and processes for effective and efficient loan underwriting across ABHFL service offerings, enhancing portfolio health and business sustainability. This position leads regional risk management and underwriting operations, taking approval decisions as per approval matrix and ensuring team performance to ensure creditworthiness and effective project/ transaction risk assessment. The Regional Credit Manager is also expected to drive coordination with regional Sales, Operations and Technical teams via proactive liaising with relevant stakeholders and alignment to ensure sound risk management operations

Key Result Areas

Supporting Actions

Underwriting and Portfolio Quality Management

• Execute risk and credit operations for basic transactions assigned, in adherence with defined frameworks and principles across ABHFL business lines
• Seek guidance from seniors proactively and gather insights on technical aspects as well as state/ property specific considerations for effective risk assessment of individual cases
• Liaise with relevant Legal, Technical and other verification vendors for Legal-Technical evaluations and clarifications in complex cases, as required
• Monitor the bounce rates as per threshold limits.

Process Efficiency

• Execute risk operations efficiently and in a manner that enables business performance while ensuring risk management imperatives
• Coordinate seamlessly with Credit Processing Analysts to ensure case files are logged appropriately before proceeding to initiate credit operations
• 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; elevate to RCM as required.
• Effectively managing external vendors to ensure quality of reports & TAT
• Efficiently track Cost and 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 assigned time frame.