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 Risk colleagues to ensure efficient and effective risk management operations

Job Context & Major Challenges

Job Context/Job Challenges: Part of a ficial services group, the housing fice entity is registered with the regulatory authority as a housing fice company under applicable acts. The entity offers a range of housing fice solutions and operates in a large market with growth plans. The risk function must align and comply with risk management guidelines and regulations proactively to manage risk and protect interests of both the business and the customer. The core responsibility for this function is to control the business via robust underwriting and risk management, supporting business expansion via joint evaluation of different product/market growth proposals with the Sales team. The Credit Manager plays the role of executing risk and credit operations in line with established guidelines and norms, and safeguards the organization against diverse risks via process measures and checks. This role is responsible for ensuring robust and effective creditworthiness and risk assessment. He/She is the ears on the ground member of the Risk Team who meets every customer as part of the underwriting process and also visits the property being funded. Therefore, he/she needs to have an understanding of the Legal & Valuation framework to be able to perform their role satisfactorily.





Enabling Skill Sets & Qualifications

Critical skill sets required to meet these challenges include business & commercial acumen, analytical skills, interpersonal & presentation skills, & execution capabilities. Education & experience required to fulfil this profile are a CA/ MBAFice with minimum 03 yrs of experience in a bank/ NBFC/ HFC

Key Result Areas

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 ABFL Risk team members for clarifications on LegalTechnical evaluations, as required

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

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 MakerChecker 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.

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

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.

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