Credit Manager

About This Role

The Credit Manager executes risk and credit operations for basic transactions, ensuring sound portfolio quality management within established frameworks. This role coordinates with Sales, Operations, and ABFL Risk colleagues to ensure efficient and effective risk management operations.

Responsibilities

• Execute risk and credit operations for basic transactions assigned, adhering to defined frameworks and principles across ABHFL business lines
• Seek guidance from seniors proactively and gather insights on technical aspects as well as state/property specific considerations for effective risk assessment of individual cases
• Liaise with relevant ABFL Risk team members for clarifications on Legal/Technical evaluations, as required
• Execute risk operations efficiently and in a manner that enables business performance while ensuring risk management imperatives
• Coordinate seamlessly with Credit Processing Analysts to ensure case files are logged appropriately before proceeding to initiate credit operations
• 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; escalate to RCM as required
• 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.
• 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
• 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

Requirements

• Business and commercial acumen
• Analytical skills
• Interpersonal and presentation skills
• Execution capabilities
• CA/MBA Finance with a minimum of 0-3 years of experience in a bank/NBFC/HFC

Important Details

• Team: The Risk team provides core underwriting services fundamental to the ABHFL business health, risk management and sustainability. Structured as a dual to the Sales/Sourcing team, with positions mapped against corresponding Sales roles across the organization.