Job Description
- Job Purpose

The purpose of this job is to execute and drive regional risk and credit operations as per established frameworks and processes for effective and effective loan underwriting across ABHFL service offerings, enhancing portfolio health and business sustainability. This position leads regional risk management and underwriting operations, taking approval decisions as per approval matrix and ensuring team performance to ensure creditworthiness and effective project/ transaction risk assessment. The Regional Credit Manager is also expected to drive coordination with regional Sales, Operations and ABFL Risk teams via proactive liaising with relevant stakeholders and alignment to ensure sound risk management operations
- Dimensions

What are the areas (in quantitative terms) the job has an impact on

Function Dept. Section Remarks

(As applicable)

-

Manpower (Nos.)

A

Management

B

Staff

C

Worker

D

Contract

Total

-

Other Relevant Parameters

(Capacity/ Volumes/ Budget)

A

Loan Approval Limit

B

Process/ SOP adherence

C





NPA%
- Job Context & Major Challenges (What are the specific aspects of the job that provide a challenge to the jobholder in the context of the Unit/Zone

Organizational Context

Key Aspects:
- Part of the Aditya Birla Financial Service Group (ABFSG), Aditya Birla Housing Finance Limited (ABHFL) is registered with the National Housing Bank as a housing finance company under the National Housing Bank Act, 1987. The company offers a complete range of housing finance solutions such as home loans, home improvement and home construction loans, balance transfer and top-up loans, loans against property and construction finance. The company acquired its license on 9 th July 2014 and has aggressive growth plans.
- ABHFL operates in the Rs. 11.4 trillion Indian Housing Finance market, which has grown at a steady rate of 17% CAGR over the last 3 years while reporting good asset quality despite challenges in the operating envi

📌 Regional Credit Manager (India)
🏢 Aditya Birla Group
📍 India