Credit Manager

About the Role

The purpose of this job is to execute risk and credit operations on basic transactions, ensuring sound portfolio quality management. This role coordinates with Sales, Operations, and Technical colleagues to ensure efficient and effective risk management operations.

Key Responsibilities

• Underwriting and Portfolio Quality Management
• Execute risk and credit operations for assigned basic transactions, adhering to defined frameworks and principles across ABHFL business lines.
• Seek guidance from seniors for technical aspects and state/property-specific considerations for effective risk assessment.
• Liaise with Legal, Technical, and other verification vendors for evaluations and clarifications in complex cases.
• Monitor bounce rates as per threshold limits.
• Process Efficiency
• Execute risk operations efficiently to enable business performance while ensuring risk management imperatives.
• Coordinate with Credit Processing Analysts to ensure appropriate logging of case files.
• Work with Sales and Operations teams for effective decision-making and problem-solving.
• Effectively manage external vendors to ensure report quality and turnaround time.
• Track costs to ensure they are within budgeted levels.
• Ensure accurate data capture in LOS and maintain high documentation quality.
• Ensure collection of post-disbursal documents within the assigned timeframe.
• Risk Compliance & Control
• Ensure compliance with established risk management principles and norms.
• Compile periodic and need-based MIS, reports, and escalation case documents.
• Conduct local risk operations in line with the ‘Maker – Checker’ mechanism across key aspects like exception approvals, collateral valuation, PDD completion, and cheque bounce collections.
• Minimize critical observations in Audit and ensure all observations are resolved within specified TATs.
• Collection Efficiency
• Coordinate with the Collections/Operations team for tracking delinquency cases and driving collections.
• Escalate specific/complex cases to the RCM for recovery and delinquency/NPA avoidance.
• Monitor delinquent portfolios.
• Liaise with key delinquent customers and support collections team for resolutions.
• Report fraud cases to the Risk monitoring team and Regional/Zonal Risk Head.
• 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).
• Maintain relationships with internal stakeholders for smooth coordination on complex/escalation/exception cases.

Requirements & Tech Stack

• Education: CA/ MBA – Finance
• Experience: 0-3 years in a bank/NBFC/HFC.
• Skills:
• Strong business and commercial acumen.
• Analytical skills.
• Good stakeholder management and presentation skills.
• Team management and execution capabilities.
• Proficiency on legal & technical documents, property business practices & norms.
• Tools/Systems:
• LOS (Loan Origination System)