Area Credit Manager

ABC - Aditya Birla Housing Finance Limited; Karnataka; On-site; INR 1,200,000 - 2,400,000; Full time

Job summary

ABC - Aditya Birla Housing Finance Limited is seeking a senior professional to oversee the credit underwriting function for the region and to review credit proposals as logged. The role involves guiding the team, ensuring timely turnaround, and implementing risk-mitigating actions to support informed decisions by authorities.

The incumbent will monitor credit exposure from pre-sanction to post-disbursement and ensure documentation aligns with policies.

Qualifications

• Oversee the credit underwriting function and review of credit proposals for the region.
• Facilitate quick turnaround of credit lending proposals in liaison with local credit analysts and sales teams.
• Undertake steps for risk mitigation, ensuring adherence to legal norms, documentation and policies.
• Highlight credit risks and mitigating actions to enable decision making by approving authorities.
• Review and monitor client creditworthiness from pre-sanction to post-disbursement phase.
• Approve credit proposals within authority and recommend cases to NRM / Credit Committee.

Responsibilities

• Lead a team distributed across locations serving different business segments.
• Ensure continuous improvement in underwriting processes and risk controls.

Job description

The Purpose Of This Job Is

• To oversee the credit underwriting function and review of credit proposals logged in for the region
• To facilitate quick turnaround of credit lending proposals in close liaison with the local credit analysts and sales teams.
• To undertake necessary steps for risk mitigation, when required, while ensuring adherence to legal & documentation norms & policies and highlight credit risks and mitigating actions to facilitate decision making by relevant approving authorities
• To undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable.
• To review and ensure documentation of the proposals and effectively monitor client creditworthiness from the pre sanction to post disbursement phase
• To approve credit proposals within approving authority and recommend cases to NRM / Credit Committee for decision.

To guide, motivate and manage a team spread across different locations and serving different business segments.