Area Credit Manager-Prime-Delhi

ABC - Aditya Birla Housing Finance Limited; Haryana; On-site; INR 600,000 - 1,100,000; Full time

Job summary

ABC - Aditya Birla Housing Finance Limited is seeking an underwriting professional to manage risk and portfolio quality across transactions. The role emphasizes executing risk operations, coordinating with credit processing teams, and aligning with sales and operations for effective decisions.

The position requires adherence to risk frameworks, proactive collaboration with risk teams on complex cases, and ongoing development of technical underwriting skills to support sustainable lending growth

Qualifications

• Execute risk and credit operations for assigned transactions and adhere to defined frameworks.
• Evaluate and approve proposals as per defined approval matrix with guidance from seniors.
• Liaise with Risk teams for Legal-Technical evaluations in complex cases.

Responsibilities

• Execute risk operations efficiently to support business performance while ensuring risk management.
• Coordinate with Credit Processing Analysts to ensure files are logged and analyzed thoroughly.
• Collaborate with Sales and Operations for decision making and problem solving within risk guidelines.
• Ensure compliance with risk principles and compile MIS, reports and escalation documents.
• Track delinquency cases with Collections/Operations and support recovery efforts.
• Partner with Sales and Ops on case-based decisions to support business growth and sustainability.
• Seek development to improve risk assessment and loan underwriting via technical skills and role clarity.
• Maintain relationships with internal stakeholders for smooth escalation handling.

Job description

• Principal Accountabilities

Accountability

Supporting Actions

Underwriting and Portfolio Quality Management

• Execute risk and credit operations for assigned transactions in adherence with defined frameworks and principles across ABHFL business lines


• Evaluate and approve proposals as per defined approval matrix, seeking guidance from seniors and assisting peers on specific cases as required


• Liaise with relevant ABFL Risk team members for Legal-Technical evaluations and clarifications in complex cases, as required

Process Efficiency

• Execute risk operations efficiently and in a manner that enables business performance while ensuring risk management imperatives


• Coordinate seamlessly with Credit Processing Analysts and Credit Analysts to ensure files are logged appropriately and analyzed thoroughly


• Work as per process-driven coordination mechanisms with Sales and Operations teams for effective decision making and problem solving in line with business and risk management needs; escape to RCM as required

Risk Compliance & Control

• Ensure compliance with established risk management principles and norms; compile periodic and need based MIS, reports, escalation case documents, etc.


• Conduct local risk operations in line 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.

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


• Escalate specific/ complex cases, as required, to RCM for recovery and delinquency/ NPA avoidance

Business Growth and Sustainability

• Work in partnership with Sales and Operations colleagues on case based decision making for effective support on business growth and sustainability

Self-Development & Internal Stakeholder Coordination

• Seek development to execute better risk assessment and loan underwriting via technical skill-up (e.g. proficiency on legal & technical documents, property business practices & norms, etc.) and role clarity


• Maintain relationships with internal stakeholders for smooth coordination on complex/ escalation/ exception cases