Job Purpose
The purpose of this job is to execute risk and credit operations on assigned transactions in alignment with established frameworks and processes, ensuring effective and effective loan underwriting across ABHFL service offerings for sound portfolio quality management. This role is expected to take approval decisions as per approval matrix after due creditworthiness and risk assessment ensuring process adherence, and coordinate with Sales, Operations and ABFL Risk team colleagues to ensure robust risk management operations.

Job Context & Major Challenges
Job Context/Job Challenges
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 9th 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 environment.The Area Credit Manager plays the role of executing risk and credit operations in line with established guidelines & norms and securing the organization against diverse risks in local business operations via process measures and checks. This role is responsible for ensuring robust and efficient creditworthiness and risk assessment, and is the first approval authority in the risk management structure. 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 which is being funded. Therefore, they need to have an understanding of the Legal and Valuatio

📌 ABHFL-Credit Manager-Retail-Noida (Uttar Pradesh)
🏢 Aditya Birla Capital
📍 Uttar Pradesh