ABHFL-Credit Manager-Retail-Patna

ABC - Aditya Birla Housing Finance Limited; Madhya Pradesh; On-site; INR 420,000 - 660,000; Full time

Job summary

ABC - Aditya Birla Housing Finance Limited in Madhya Pradesh is seeking a detail-oriented professional to support underwriting and portfolio quality management. You will execute risk and credit operations across ABHFL lines, ensuring adherence to established frameworks.

Collaborate with Legal, Technical and verification vendors; monitor bounce rates and ensure timely post-disbursal documentation. This role emphasizes process efficiency, vendor management and cost tracking to support sound credit

Qualifications

• The ad lists responsibilities related to underwriting, risk management, and process efficiency but does not specify required skills, tools, or educational qualifications.

Responsibilities

• Execute risk and credit operations for basic transactions in defined ABHFL frameworks.
• Seek guidance from seniors for state/property considerations in risk assessment.
• Liaise with Legal, Technical and verification vendors for evaluations in complex cases.
• Monitor bounce rates per threshold limits.
• Coordinate with Credit Processing Analysts to log case files before initiating credit operations.
• Align with Sales and Operations for decision making; escalate to RCM as needed.
• Manage external vendors to ensure quality of reports and TAT.
• Track costs to stay within budgeted levels.
• Ensure accurate data capture in LOS and maintain documentation quality.
• Ensure collection of post-disbursal documents within assigned time frame.

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; 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.