ABHFL - Credit Manager - Retail - Vidish...

PeopleStrong; Bhopal; On-site; INR 3,000,000 - 5,000,000; Full time

Job summary

AB Housing Finance Limited is seeking a Credit Manager for Retail in the Chhata region. The role involves underwriting and managing portfolio quality, and coordinating with verification vendors to ensure accurate risk assessment of customer cases.

Candidates should have 3–5 years of experience in credit operations. You will work with cross-functional teams to ensure risk controls, timely documentation, and adherence to processes and budgets.

Qualifications

• Underwriting and portfolio quality management.
• Experience of 3–5 years in credit risk or retail credit.
• Knowledge of legal-technical evaluations where required.

Responsibilities

• Execute risk and credit operations for basic transactions, adhering to defined frameworks across ABHFL business lines.
• Seek guidance from seniors and gather insights on technical/state-specific considerations for risk assessment of cases.
• Liaise with Legal, Technical and other verification vendors for evaluations and clarifications.
• Monitor bounce rates as per threshold limits.
• Coordinate with Credit Processing Analysts to ensure case files are logged before initiating credit operations.
• Collaborate with Sales and Operations for decision making and problem solving; elevate to RCM as needed.
• Manage external vendors to ensure quality of reports and turnaround times.
• Track costs to ensure they stay within budget; ensure accurate LOS data capture and documentation.
• Ensure collection of post-disbursal documents within assigned time frame.

Skills

Credit

Education

Unknown Degree

Job description

ABHFL - Credit Manager - Retail - Chhata...

ABG108760

• Financial Services
• Madhya Pradesh

Posted On 28 Jul 2026

End Date 24 Jan 2027

Required Experience 3 - 5 years

Basic Section

No. Of Position 2

Grade 11

Level NA

Organisational

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

Unknown Degree

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; 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.