Credit Manager

Aditya Birla Group; Maharashtra; On-site; INR 800,000 - 1,000,000; Full time

Job summary

AB Housing Finance Limited is seeking a Credit Risk professional in Maharashtra to execute risk and credit operations aligned with established frameworks, supporting loan decisions and portfolio quality. You will collaborate with Sales, Operations and Technical teams to ensure efficient risk management and timely reporting.

The role emphasizes underwriting framework development, liaison with verification vendors, and proactive risk mitigation to support business performance and delinquency

Qualifications

• Understands risk and credit operations within established frameworks.
• Ensures sound portfolio quality management through adherence to processes.
• Coordinates with Sales, Operations and Technical teams for risk management effectiveness.

Responsibilities

• Set up underwriting and risk management frameworks for credit decisions.
• Execute risk and credit operations for basic transactions per defined principles.
• Liaise with Legal, Technical and verification vendors for evaluations in complex cases.
• Operate risk processes to support business performance while maintaining risk controls.
• Manage external vendors to ensure quality reports and turnaround times.
• Compile MIS, reports and escalation documents as required.
• Coordinate with Collections/Operations to track delinquency and drive collections.
• Escalate complex cases to Recovery/ delinquency avoidance teams.
• Maintain relationships with internal stakeholders for smooth coordination on escalations.

Skills

Credit Risk

Credit Analysis

MIS

Financial Analysis

Risk Management

Relationship Management

Education

Other Degree

Job description

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

State Maharashtra

Skills

Skill

Credit Risk Credit Analysis MIS Financial Analysis Risk Management Relationship Management

Other Degree

CERTIFICATION

Job Description

The purpose of this job is to execute risk and credit operations on the basic transactions assigned, as per established frameworks and processes, ensuring sound portfolio quality management. Further, this role coordinates with Sales, Operations and Technical colleagues to ensure efficient and effective risk management operations.

• This role is responsible for setting up requisite underwriting and risk management frameworks and processes for robust and efficient creditworthiness and risk assessment, and consequent inputs for business decisions (loan approval/ rejection, business expansion, etc.
• Execute risk and credit operations for basic transactions assigned, in adherence with defined frameworks and principles across ABHFL business lines
• Liaise with relevant Legal, Technical and other verification vendors for Legal-Technical evaluations and clarifications in complex cases, as required
• Execute risk operations efficiently and in a manner that enables business performance while ensuring risk management imperatives
• Effectively managing external vendors to ensure quality of reports & TAT
• Ensure compliance with established risk management principles and norms; compile periodic and need based MIS, reports, escalation case documents, etc,
• 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
• Maintain relationships with internal stakeholders for smooth coordination on complex/ escalation/ exception cases