ABHFL - Credit Manager - Retail - Biaora

ABC - Aditya Birla Housing Finance Limited; Madhya Pradesh; Sur place; INR 900 000 - 1 500 000; Plein temps

Résumé du poste

ABC - Aditya Birla Housing Finance Limited is seeking a Regional Credit Manager to lead underwriting and risk operations across regions. You will drive portfolio quality, ensure adherence to approval matrices and coordinate with Sales, Operations, and Technical teams.

You will liaise with Legal and Verification vendors, monitor key metrics, and ensure timely data capture in LOS with high-quality documentation, supporting sustainable credit growth and sound risk management.

Qualifications

• Execute risk and credit operations per defined frameworks.
• Gather insights on technical aspects and state/ property specific considerations for effective risk assessment.
• Liaise with Legal, Technical and verification vendors for evaluations and clarifications in complex cases.
• Monitor the bounce rates as per threshold limits.

Responsabilités

• 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.
• 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; escalateto 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.

Connaissances

Risk management

Credit underwriting

Portfolio quality

Process efficiency

Vendor management

Stakeholder liaison

Description du poste

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; escalateto 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.