Credit Manager

PeopleStrong; Maharashtra; On-site; INR 600,000 - 1,000,000; Full time

Job summary

AB Housing Finance Limited is seeking a Credit Risk professional to execute risk and credit operations within established frameworks, ensuring portfolio quality. You will coordinate with Sales, Operations and Technical teams to drive robust risk management across basic transactions.

The role requires setting up underwriting and risk assessment processes, liaising with legal and verification vendors, and delivering timely, compliant risk outputs to support business decisions.

Qualifications

• Execute risk and credit operations per established frameworks and processes to ensure sound portfolio quality.
• Coordinate with Sales, Operations and Technical colleagues for risk management operations.
• Set up underwriting and risk management frameworks for robust creditworthiness and risk assessment.

Responsibilities

• Execute risk and credit operations for basic transactions per defined frameworks and principles across ABHFL business lines.
• Liaise with Legal, Technical and other verification vendors for legal-technical evaluations in complex cases as required.
• Execute risk operations efficiently to support business performance while maintaining risk management imperatives.
• Manage external vendors to ensure quality of reports and turnaround times (TAT).
• Coordinate with Collections/Operations to track delinquency cases and drive collections effectively.

Skills

Credit Risk

Credit Analysis

MIS

Financial Analysis

Risk Management

Education

Post Graduate

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

Post Graduate

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