ABHFL - Credit Manager - Informal - Harda

ABC - Aditya Birla Housing Finance Limited; Madhya Pradesh; On-site; INR 550,000 - 900,000; Full time

Job summary

ABC - Aditya Birla Housing Finance Limited in Madhya Pradesh is seeking a risk and underwriting professional to manage basic credit transactions, participate in portfolio quality evaluations, and coordinate with cross-functional teams to ensure compliant processes and timely documentation.

The role focuses on risk assessment, vendor management, and operational efficiency to support sustainable lending performance within ABHFL's framework.

Qualifications

• Execute risk and credit operations for basic transactions.
• Coordinate with Sales and Operations for effective decision making.
• Manage external vendors for quality reports and timely turnaround.
• Maintain accurate data capture in LOS and documentation quality.

Responsibilities

• Execute risk operations efficiently while supporting business performance and risk management.
• Coordinate with Credit Processing Analysts to log case files before credit operations.
• Collaborate with Sales and Operations for risk-informed decisions and escalation to RCM when needed.
• Ensure timely collection of post-disbursement documents and control costs within budget.

Skills

Risk operations

Vendor management

Process improvement

Data accuracy

Stakeholder coordination

Tools

LOS

Job description

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; escalatet 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.