Credit Manager-Retail- Gorakhpur

PeopleStrong; Panipat; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

AB Housing Finance Limited is seeking a Credit Operations professional to oversee underwriting and portfolio quality management, ensuring risk controls across transactions. The role involves coordinating with Legal and Technical verification vendors for complex cases and monitoring performance metrics to keep bounce rates within thresholds.

The ideal candidate will drive efficient risk operations, collaborate with Credit Processing Analysts and Sales/Operations teams, and manage external vendors

Qualifications

• Underwriting and portfolio quality management experience preferred.
• Experience in risk operations and loan underwriting.
• Strong coordination with legal, technical verification vendors.
• Ability to monitor and manage KPI thresholds (e.g., bounce rates).
• Vendor management and cost tracking within budgets.

Responsibilities

• Underwriting and portfolio quality management of credit proposals across ABHFL business lines.
• Execute risk operations efficiently; coordinate with Credit Processing Analysts and Credit Analysts for thorough analysis.
• Ensure compliance with risk management principles; compile MIS and escalation documents.
• Coordinate with Sales and Operations teams for informed decision making; manage external vendors for quality reports and timely outputs.
• Drive business growth and sustainability through cross-functional collaboration with Sales and Ops.
• Develop skills and coordinate with internal stakeholders for escalation handling and loan underwriting improvements.

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

Skills

Skill

Post Graduate Graduate - Contract Admin

CERTIFICATION

Job Description

RA (Accountabilities) (Max 1325 Characters)

Supporting Actions (Max 1325 Characters)

KRA1

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 Legal, Technical and other verification vendors for Legal-Technical evaluations and clarifications in complex cases, as required
Monitor the bounce rates as per threshold limits.

KRA2

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; elevate to RCM as required
Effectively managing external vendors to ensure quality of reports & TAT
Efficiently track Cost and ensure they are within budgeted levels.
Ensure accurate data capture in LOS and maintain high quality of documentation.
Ensure collection of Post disbursal documents within assigned time frame.

KRA3

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.
Ensure minimal critical observations in Audit and also to ensure all observations are resolved within specified TATs.

KRA4

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
Monitoring of delinquent portfolios. Liaison with key delinquent customers and support collections team for resolutions of all cases
Report fraud cases to Risk monitoring team and Regional/Zonal Risk Head.

KRA5

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

KRA6

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