ABHFL - Regional Credit Manager -Afforda...

PeopleStrong; Bhopal; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

AB Housing Finance Limited is seeking a Regional Credit Manager to lead underwriting and portfolio quality across the region. The role requires coordinating with Sales and Operations, guiding the team on cases with asset/state specifics, and ensuring timely post-disbursal documentation.

The candidate will evaluate proposals, monitor delinquencies, ensure process efficiency, and manage risk controls with adherence to defined frameworks.

Qualifications

• Underwriting and portfolio quality management across ABHFL regional operations.
• Implement and oversee regional risk and credit operations per defined frameworks.
• Liaise with Sales and Operations for proposals and escalations.
• Guide team members on cases, with state/property-specific risk considerations.
• Evaluate and approve proposals per approval matrix; assist on cases.
• Monitor bounce rates and delinquency buckets; report early defaulters.
• Ensure collection of post-disbursal documents within the time frame.

Responsibilities

• Drive risk operations with process efficiencies across risk functions.
• Coordinate with Sales and Operations for timely and informed decisions.
• Intervene in escalation and exception cases with relevant stakeholders.
• Manage external vendors for quality reports and timely delivery.
• Maintain cost within budget and ensure MIS / escalation documents are current.

Skills

Credit Management

Education

Graduate

Job description

ABHFL - Regional Credit Manager -Afforda...

ABG111128

• Financial Services
• Madhya Pradesh

Posted On 01 Sep 2026

End Date 28 Feb 2027

Required Experience 6 - 10 years

Basic Section

No. Of Position 1

Grade 9

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 Management

Graduate

CERTIFICATION

Job Description

) Key Result Areas: Write the key results expected from the job and the supporting actions for each of these key result areas (Fora majority ofjobs typically there could be 4- 7 key result areas)

Key Result Areas

Supporting Actions

Underwriting and Portfolio Quality Management

Implement and oversee execution of regional risk and credit operations in adherence with defined frameworks and principles across ABHFL business lines

Liaise with relevant stakeholders (Sales, Operations) and escalate appropriately for efficient coordination and decision making on specific proposals/ escalation cases

Communicate with and guide team members on specific cases/ exceptions, providing insights on technical aspects as well as state/ property specific considerations for effective risk assessment

Evaluate and approve proposals as per defined approval matrix andassistteam members on specific approval cases asrequired.

Monitor the bounce rates and portfolio delinquency buckets as per threshold limits and report early defaulters

Ensure collection of Post disbursal documents within assignedtime frame.

Process Efficiency

Drive process efficiency through the team across different risk operations, acting as a business enabler without compromising on risk management imperatives

Work as per and guide team members towards process-driven coordination mechanisms with Sales and Operations teams for effective decision making and problem solving in line with business and risk management needs

Intervene in escalation/ exception cases, liaising asrequiredwith stakeholders in Sales and Operations teams and escalating to Zonal Head–Risk ifrequired

Effectively managing external vendors to ensure quality of reports & TAT

Efficiently track Cost and ensure they are within budgeted levels.

Risk Compliance & Control

Ensure compliance with established risk management principles and norms via periodic and need based reviews of relevant MIS, reports, escalation case documents, etc.

Ensure regional operations are aligned 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.

Toidentifycases under early warning signals andanalysethe same.

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

Intervene asrequiredon specific escalation cases for recovery and delinquency/ NPA avoidance; escalate to Zonal Head–Risk asrequired

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 Zonal/National Risk Head. Cases

Business Growth and Sustainability

Work in partnership with Sales and Operations colleagues on case-based decision making, and drive the same partnership orientation down the line as well

Team & Internal Stakeholder Management

Guide and develop team members tofacilitatebetter risk assessment, underwritingskillsand internal stakeholder management via technical skill-up (e.g.proficiencyon legal & technical documents, property business practices & norms, etc.) and help them achieve superior performance standards & productivity levels

Nominate teams for relevant technical and behavioral trainings/ seminars and work on self-development initiatives

Maintain relationships with internal stakeholders for smooth cross-functional coordination and alignment towards achievement of function and business objectives

Team & Internal Stakeholder Management

Guide and develop team members tofacilitatebetter risk assessment, underwritingskillsand internal stakeholder management via technical skill-up (e.g.proficiencyon legal & technical documents, property business practices & norms, etc.) and help them achieve superior performance standards & productivity levels

Nominate teams for relevant technical and behavioral trainings/ seminars and work on self-development initiatives

Maintain relationships with internal stakeholders for smooth cross-functional coordination and alignment towards achievement of function and business objectives