Job Summary

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 ABFL Risk colleagues to ensure effective and effective risk management operations.
Job Context

Major Challenges

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 and has aggressive growth plans.

The Risk team provides core underwriting services fundamental to the ABHFL business health, risk management and sustainability. Structured as a dual to the Sales/ Sourcing team,



with positions mapped against corresponding Sales roles across the organization, the Risk team is responsible for necessary controls and process checks to ensure business performance and health. While 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 is also an important contribution. The Credit Manager plays the role of executing risk and credit operations in line with established guidelines and 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. 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 pro

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