Designation: NA

Location: India Madhya Pradesh Indore, Vijaynagar

Organization: Financial Services

Job Description:

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 ABFL Risk team members for Legal-Technical evaluations and clarifications in complex cases, as required

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; escalate to RCM as required

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.

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

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

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

📌 AREA CREDIT MANAGER (Madhya Pradesh)
🏢 Aditya Birla Group
📍 Madhya Pradesh