ABHFL - Credit Manager - Informal - Howrah

Birla Carbon; Kolkata District; On-site; INR 600,000 - 900,000; Full time

Job summary

ABHFL is recruiting for a Credit Manager in Howrah to handle risk assessment, underwriting, and portfolio quality. You will work across risk, processing, and collections teams to ensure compliant operations and timely documentation.

The role emphasizes collaboration with Sales, Operations, and external vendors to maintain TAT and accuracy in post-disbursal processes, with opportunities for skill development within the Aditya Birla Group.

Qualifications

• Experience in risk and credit operations within financial services.
• Ability to coordinate with Sales/Operations and vendors.
• Knowledge of Legal-Technical evaluations and collateral considerations.

Responsibilities

• Execute risk and credit operations for basic transactions per framework.
• Coordinate with Credit Processing Analysts to log cases before operations.
• Escalate complex cases to RCM and liaise with external verification vendors.
• Monitor bounce rates and ensure documentation quality and timeliness.
• Ensure compliance with risk principles and maintain MIS/documentation.
• Support delinquency tracking and collections with the team.

Skills

Risk assessment

Stakeholder coordination

Vendor management

Data accuracy

Credit operations

Tools

LOS systems

Job description

At the Aditya Birla Group, our Corporate Vision is aligned and intricately woven with our People Vision.

ABHFL - Credit Manager - Informal - Howrah

Designation : NA

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; escalte 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.

Risk Compliance & Control

• Ensure compliance with established risk management principles and norms; compile periodic and need based MIS, reports, escalation case documents, etc.
• Conduct local risk operations in line with defined ‘Maker – Checker’ mechanism with Sales and Operations teams in a systematic manner, across key aspects such as exception approvals, collateral valuation, PDD completion, cheque bounce collections, etc.
• Ensure minimal critical observations in Audit and also to ensure all observations are resolved within specified TAT’s.

Collection Efficiency

• Work in alignment with process-driven mechanisms for coordination with the Collections/ Operations team on tracking delinquency cases and driving collections efficiently and effectively
• Escalate specific/ complex cases, as required, to RCM for recovery and delinquency/ NPA avoidance
• Monitoring of delinquent portfolios. Liaison with key delinquent customers and support collections team for resolutions of all cases
• Report fraud cases to Risk monitoring team and Regional/Zonal Risk Head.

Self-Development & Internal Stakeholder Coordination

• Seek development to execute better risk assessment and loan underwriting via technical skill-up (e.g. proficiency on legal & technical documents, property business practices & norms, etc.) and role clarity
• Maintain relationships with internal stakeholders for smooth coordination on complex/ escalation/ exception cases
• Discover more about life at Aditya Birla Group