ABHFL-Credit Manager-Retail-Patna

PeopleStrong; Jabalpur; On-site; INR 350,000 - 550,000; Full time

Job summary

AB Housing Finance Limited is seeking a candidate for a role in underwriting and credit operations. The position focuses on risk assessment, portfolio quality management, and process efficiency within ABHFL's credit functions across business lines.

The role requires coordination with legal, technical verifications and external vendors to ensure timely, compliant decisions while maintaining quality documentation and cost control.

Qualifications

• Knowledge of credit risk assessment and portfolio quality.
• Ability to follow defined risk frameworks and principles.

Responsibilities

• Underwriting and Portfolio Quality Management: Execute risk and credit operations for basic transactions across ABHFL lines.
• Seek guidance from seniors on technical aspects and state/property specific considerations for effective risk assessment.
• Liaise with Legal, Technical and other verification vendors for evaluations and clarifications.
• Monitor bounce rates against threshold limits.
• Process Efficiency: Execute risk operations efficiently while ensuring risk management imperatives.
• Coordinate with Credit Processing Analysts to ensure case files are ready before credit operations.
• Collaborate with Sales and Operations for decision making in line with business risk needs; escalate when needed.
• Manage external vendors to ensure quality of reports and TAT.
• Trace cost within budgeted levels and ensure data capture in LOS with high documentation quality.
• Ensure collection of Post disbursal documents within time frame.

Skills

Credit

Education

Graduate

Job description

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

Graduate

CERTIFICATION

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; escal ...
• 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.