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ABCL
Aditya Birla Capital Limited

Aditya Birla Capital Limited (“ABCL”) is a listed systemically important non-deposit taking Non-Banking Financial Company (NBFC) and the holding company of the financial services businesses. ABCL and its subsidiaries/JVs provides a comprehensive suite of financial solutions across Loans, Investments, Insurance, and Payments to serve the diverse needs of customers across their lifecycles. Powered by over 68,400 employees, the businesses of ABCL have a nationwide reach with over 1,740 branches and more than 200,000 agents/channel partners along with several bank partners.

Nationwide Branches

1,740

No. of Employees

68,400

Agents/Channel Partners

2,00,000+

Aggregate Assets

INR 5.91 Lakh Cr

Consolidated Lending Book

INR 2 Lakh Cr
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Job Description

AB Housing Finance Limited

Credit Manager

Location: G-Corp Tech Park, Thane, Maharashtra
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Job Description

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.

  • This role is responsible for setting up requisite underwriting and risk management frameworks and processes for robust and efficient creditworthiness and risk assessment, and consequent inputs for business decisions (loan approval/ rejection, business expansion, etc.
  • Execute risk and credit operations for basic transactions assigned, in adherence with defined frameworks and principles across ABHFL business lines
  • Liaise with relevant Legal, Technical and other verification vendors for Legal-Technical evaluations and clarifications in complex cases, as required
  • Execute risk operations efficiently and in a manner that enables business performance while ensuring risk management imperatives
  • Effectively managing external vendors to ensure quality of reports & TAT
  • Ensure compliance with established risk management principles and norms; compile periodic and need based MIS, reports, escalation case documents, etc,
  • Work in alignment with process-driven 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
  • Maintain relationships with internal stakeholders for smooth coordination on complex/ escalation/ exception cases

Minimum Experience Level

4 - 6 years

Job Qualifications

Other Degree

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