Area Credit Manager

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

Job summary

ABC - Aditya Birla Housing Finance Limited seeks a seasoned credit underwriter to oversee the regional underwriting function, ensuring rapid turnaround of proposals in coordination with local analysts and sales teams.

The role emphasizes risk mitigation, adherence to legal and documentation norms, and ongoing monitoring of credit exposures from pre‑sanction to post‑disbursement. You will approve proposals within authority and guide a multi-location team across segments.

Qualifications

• Experience in credit underwriting and proposal review.
• Strong risk assessment skills with a focus on mitigations.
• Proven ability to lead and motivate teams across locations.
• Good understanding of policy norms and documentation requirements.

Responsibilities

• Oversee the credit underwriting function and review proposals logged for the region.
• Facilitate quick turnaround of lending proposals in collaboration with local analysts and sales teams.
• Mitigate risk while ensuring adherence to legal and documentation norms and policies; highlight risks to approvals.
• Continuously review credit exposures to ensure they remain bankable.
• Review and ensure documentation of proposals and monitor client creditworthiness from pre-sanction to post-disbursement.
• Approve credit proposals within authority and recommend cases to NRM / Credit Committee for decisions.
• Guide, motivate and manage a team spread across locations serving different business segments.

Skills

Credit underwriting

Risk assessment

Team leadership

Stakeholder coordination

Job description

• 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.

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.