ABHFL-Regional Credit Manager- Prime-Gurgaon

ABC - Aditya Birla Housing Finance Limited; Haryana; On-site; INR 1,200,000 - 1,800,000; Full time

Benefits offered by this job

Health insurance

Job summary

ABC - Aditya Birla Housing Finance Limited in Haryana seeks a senior risk and credit operations professional to lead underwriting, portfolio quality, and collection efficiency across regional teams.

You will implement risk controls, coordinate with Sales and Operations, monitor delinquencies, and drive process improvements while ensuring compliance with maker-checker practices.

The role requires strong analytical skills, vendor management, and ability to guide teams through audits and exceptions.

Qualifications

• Experience in risk management and credit operations.
• Ability to liaise with Sales and Operations for decisions.
• Experience implementing risk controls and audit readiness.

Responsibilities

• Oversee regional risk and credit operations across ABHFL business lines.
• Coordinate with Sales and Operations to enable efficient proposals and escalation.
• Guide team on cases, providing insights on legal and property considerations for risk assessment.
• Evaluate and approve proposals per defined approval matrix.
• Monitor delinquency buckets and report early defaulters.
• Ensure collection of post-disbursal documents within deadlines.
• Drive process efficiency and ensure cost within budget.

Job description

Key Result Areas

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

• Key Result Areas: Write the key results expected from the job and the supporting actions for each of these key result areas (For a majority of jobs typically there could be 4- 7 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 escape 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 and assist team members on specific approval cases as required.
• Monitor the bounce rates and portfolio delinquency buckets as per threshold limits and report early defaulters
• Ensure collection of Post disbursal documents within assigned time 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 as required with stakeholders in Sales and Operations teams and escalating to Zonal Head – Risk if required
• 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.
• To identify cases under early warning signals and analyse the 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 as required on specific escalation cases for recovery and delinquency/ NPA avoidance; escape to Zonal Head – Risk as required
• 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 to facilitate better risk assessment, underwriting skills and internal stakeholder management via technical skill-up (e.g. proficiency on 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 to facilitate better risk assessment, underwriting skills and internal stakeholder management via technical skill-up (e.g. proficiency on 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