Job Purpose

The purpose of this job is to execute risk and credit operations on the basic transactions assigned, as per established frameworks and processes, ensuring sound portfolio quality management. Further, this role coordinates with Sales, Operations and Technical colleagues to ensure efficient and effective risk management operations.

Critical skill sets required to meet these challenges include robust business and commercial acumen, analytical skills, good stakeholder management and presentation skills, and team management and execution capabilities. Education experience required to fulfil this profile are a CA/ MBA Fice with minimum 03 yrs of experience in a bank/ NBFC/ HFC

KRA1 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 LegalTechnical 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 to ensure case files are logged appropriately before proceeding to initiate credit operations

Work as per processdriven 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 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 TAT s.

KRA4 Collection Efficiency

Work in alignment with processdriven 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 SelfDevelopment Internal Stakeholder Coordination

Seek development to execute better risk assessment and loan underwriting via technical skillup (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

Disclaimer : This job posting has been aggregated from external source. Role details, content, and availability are subject to change. Applicants are advised to confirm the latest information directly on the company website before applying.

📌 Credit Manager (Pune)
🏢 Aditya Birla Insulators
📍 Pune