ABHFL- Regional Credit Manager - Retail ...

PeopleStrong; India; On-site; INR 1,800,000 - 2,600,000; Full time

Job summary

AB Housing Finance Limited is seeking a Regional Credit Manager - Retail to lead underwriting, portfolio quality, and risk control across the regional operations in India. The role emphasizes collaboration with Sales and Operations, ensuring compliant risk practices and efficient credit processes.

The candidate will drive collections, monitor delinquencies, and guide the team on technical and legal aspects, with a focus on achieving superior risk-adjusted performance.

Qualifications

• Credit assessment and risk evaluation
• Strong analytical and decision-making skills
• Stakeholder coordination across Sales, Operations and Risk

Responsibilities

• Underwriting and Portfolio Quality Management – approve proposals as per the defined matrix, assess state/property specifics, monitor delinquencies.
• Process Efficiency – drive risk ops efficiency with Sales and Ops teams, ensure timely decision making and budget adherence.
• Risk Compliance & Control – ensure adherence to risk principles, maintain Maker-Checker discipline, resolve audit observations within TAT.
• Collection Efficiency – coordinate with Collections/Operations to reduce NPAs and support recovery efforts.
• Business Growth and Sustainability – collaborate with Sales for case-based decisions and sustained growth.
• Team & Stakeholder Management – develop team skills, train on legal/technical documentation, nurture cross-functional alignment.

Skills

Credit

Graduate

Job description

ABHFL- Regional Credit Manager - Retail ...

ABG104668

• Financial Services
• West Bengal

Posted On 19 May 2026

End Date 15 Nov 2026

Required Experience 9 - 14 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

Graduate

CERTIFICATION

Job Description

4) 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 upscale 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