ABHFL - Credit Manager - Informal - Sambalpur

Aditya Birla Group; Sambalpur; On-site; INR 600,000 - 900,000; Full time

Job summary

ABHFL is seeking a Credit Manager for Sambalpur to oversee risk and credit operations, ensure portfolio quality, process efficiency, and compliance across the lending workflow. The role involves coordinating with Sales, Operations, and external vendors to maintain data integrity and timely post-disbursement documentation.

You will support underwriting, monitor delinquency, implement Maker-Checker processes, and contribute to risk governance while aiming for minimal audit observations and cost

Qualifications

• Execute risk and credit operations for basic transactions in line with defined frameworks.
• Seek guidance from seniors on technical and state/property considerations for risk assessment.
• Liaise with Legal, Technical and verification vendors for evaluations in complex cases.
• Monitor bounce rates per threshold limits.
• Ensure risk operations support business performance while maintaining risk management.
• Coordinate with Credit Processing Analysts to log case files before credit operations.
• Collaborate with Sales and Operations for decision making; escalate to RCM as needed.
• Manage external vendors to ensure report quality and timely delivery.
• Track costs and stay within budget.
• Ensure accurate LOS data capture and high-quality documentation; collect post-disbursal documents on time.
• Ensure compliance with risk management principles and compile MIS and escalation documents.
• Perform local risk operations using Maker–Checker with Sales and Operations on exceptions (approvals, collateral valuation, PDD, cheque bounce).
• Minimize audit observations and resolve any observations within target TAT.
• Coordinate with Collections/Operations to track delinquency and drive collections.
• Escalate complex cases to RCM for recovery and NPA avoidance.
• Monitor delinquent portfolios and liaise with customers to resolve cases.
• Report fraud cases to Risk Monitoring team.
• Pursue skill-up in legal and technical documents and property norms to improve risk assessment.
• Maintain relationships with internal stakeholders for smooth escalation and coordination.
• Learn about life at Aditya Birla Group.

Responsibilities

• Execute risk and credit operations for basic transactions in line 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.
• 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.
• 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.
• 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.
• 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

Job description

ABHFL - Credit Manager - Informal - Sambalpur

Designation: NA

Job Description

Key Result Areas

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.

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