Credit Manager

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

Job summary

ABC - Aditya Birla Housing Finance Limited is seeking a professional to execute risk and credit operations on basic transactions, aligning with established frameworks to maintain portfolio quality. The role requires coordination with Sales, Operations and Technical teams to ensure efficient risk management.

You will set up underwriting and risk management processes for robust assessment, manage external verification vendors, and drive timely reporting while supporting collections and delinquency

Responsibilities

• Setting up underwriting and risk management frameworks and processes for robust creditworthiness and risk assessment.
• Execute risk and credit operations for basic transactions as per defined frameworks across ABHFL business lines and principles.
• Liaise with Legal, Technical and other verification vendors for evaluations and clarifications in complex cases.
• Execute risk operations efficiently to enable business performance while ensuring risk management imperatives.
• Manage external vendors to ensure quality of reports and turnaround time (TAT).
• Ensure compliance with established risk management principles; compile MIS, reports and escalation case documents.
• Coordinate with Collections/Operations to track delinquency and drive collections efficiently and effectively.
• Escalate complex cases to RCM for recovery and delinquency/NPA avoidance.
• Maintain relationships with internal stakeholders for smooth coordination on complex/escalation/exception cases.

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