ABHFL - Zonal Credit Manager - Prime - Gurgaon

ABC - Aditya Birla Housing Finance Limited; Haryana; On-site; INR 2,500,000 - 4,200,000; Full time

Job summary

ABC - Aditya Birla Housing Finance Limited is seeking a seasoned risk management professional to lead underwriting and portfolio quality management at zonal level. You will collaborate with Sales, Operations, and Technical teams to ensure robust risk assessment and compliant credit decisions.

You will drive process improvements, monitor regulatory adherence, and guide the risk team to enable sustainable business growth while managing collections and early warning indicators.

Qualifications

• Experience in risk management and underwriting within financial services.
• Knowledge of regulatory norms and compliance across lending domains.
• Strong ability to analyze proposals and provide risk-informed recommendations.

Responsibilities

• Oversee zonal risk and credit operations in line with defined frameworks.
• Coordinate with Sales, Operations, and Technical teams for decisions on proposals.
• Review and refine risk management mechanisms in line with industry trends.
• Guide team on case-specific risk assessments including state and property considerations.
• Approve proposals per defined matrices and assist on escalation cases.
• Drive process efficiency while maintaining risk controls and business sustainability.
• Ensure timely collection of post-disbursal documents and compliance.
• Monitor audit observations and resolve issues within target TATs.
• Identify early warning signals and intervene for risk remediation.

Skills

Risk Management

Underwriting

Credit Operations

Stakeholder Management

Team Leadership

Regulatory Compliance

Audit

Job description

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 zonal risk and credit operations in adherence with defined frameworks and principles across ABHFL business lines
• Liaise with relevant stakeholders (Sales, Operations, Technical) proactively for efficient cross-functional coordination and decision making on specific proposals/ escalation/ exception cases
• Analyze and review existing risk management mechanisms in view of industry developments and the long-term business strategy to give inputs on possible refinements
• Communicate with and guide team members on specific cases/ exceptions, providing insights on technical aspects as well as state/ property/ stakeholder 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

Process Efficiency

• Drive process efficiency through the team reinforcing the role of the Risk team as a business enabler without compromising on risk management and business sustainability
• Drive alignment with process-driven coordination mechanisms with Sales, Operations and Technical teams by enabling open communication within and across teams in the zone for alignment on business imperatives and corresponding risk management needs
• Serve as a point of escalation and issue resolution on complex business issues, liaising as required with stakeholders in Sales and Operations teams and escalating to Head – Risk as required
• Ensure collection of Post disbursal documents within assigned time frame.

Risk Compliance & Control

• Monitor compliance with established risk management principles and norms, as well as applicable regulatory requirements (raise potential concerns to Head – Risk in advance), via periodic and need based reviews of relevant MIS, reports, escalation case documents, etc.
• Work and ensure zonal operations are aligned with defined 'Maker - Checker' mechanism with Sales and Operations teams in a systematic and process-driven manner, covering key aspects such as exception approvals, collateral valuation, PDD completion, cheque bounce collections, etc.
• Ensure minimal critical observations in Audit and to ensure all observations are resolved within specified TAT's
• To identify cases under early warning signals and analyse the same.

Collection Efficiency

• Analyse delinquency trends at a zonal level and support RCMs with insights on possible drivers (such as regional economic factors, industry performance, etc.) and addressing mechanisms
• Implement and drive 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; escalate to Head – Risk as required
• Track early defaulters and skip cases and support collections team for ensuring resolutions.

Business Growth and Sustainability

• Participate in zonal business decision making and planning, and institutionalize the same partnership orientation down the line, setting clarity on the context for Risk as a dual function to Sales with a clear responsibility for supporting business growth via complementary perspectives and control-centric inputs

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.), role clarity, and help them achieve superior performance standards
• Nominate teams for relevant technical and behavioral trainings/ seminars and work on self-development initiatives
• Proactively build and maintain relationships with internal stakeholders for smooth cross-functional coordination and alignment towards achievement of function and business objectives 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.), role clarity, and help them achieve superior performance standards
• Nominate teams for relevant technical and behavioral trainings/ seminars and work on self-development initiatives
• Proactively build and maintain relationships with internal stakeholders for smooth cross-functional coordination and alignment towards achievement of function and business objectives cross-functional coordination and alignment towards achievement of function and business objectives