Area Credit Manager

About the Role

The purpose of this job is to execute risk and credit operations on basic transactions assigned, as per established frameworks and processes, 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 basic transactions assigned, in adherence with 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 Legal, Technical, and other verification vendors for Legal-Technical evaluations and clarifications in complex cases.

• Monitor bounce rates as per threshold limits.

• 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 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.

• Effectively manage external vendors to ensure quality of reports and Turnaround Time (TAT).

• Efficiently track costs and ensure they are within budgeted levels.

• Ensure accurate data capture in the Loan Origination System (LOS) and maintain high quality of documentation.

• Ensure collection of Post-Disbursement Documents within the assigned time frame.

• 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 across key aspects such as exception approvals, collateral valuation, PDD completion, cheque bounce collections, etc.

• Ensure minimal critical observations in Audit and resolve all observations within specified TATs.

• 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 to the Regional Credit Manager (RCM) for recovery and delinquency/ NPA avoidance.

• Monitor delinquent portfolios.

• Liaise with key delinquent customers and support the collections team for resolutions of all cases.

• 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, etc.) and role clarity.

• Maintain relationships with internal stakeholders for smooth coordination on complex/ escalation/ exception cases.

Requirements & Tech Stack

• CA/ MBA – Finance
• Strong business and commercial acumen.
• Analytical skills.
• Good stakeholder management skills.
• Presentation skills.
• Team management capabilities.
• Execution capabilities.
• Proficiency on legal & technical documents.
• Understanding of property business practices & norms.
• Familiarity with Loan Origination System (LOS).

Qualifications

• CA/ MBA – Finance
• Minimum 0-3 years of experience in a bank/ NBFC/ HFC.