Credit Manager - Informal Sector at Aditya Birla Housing Finance Limited (Dhanbad)

Role Overview

As a Credit Manager in the informal sector at Aditya Birla Housing Finance Limited (ABHFL), you will be responsible for managing risk and credit operations related to basic transactions within defined guidelines across our business lines. Your role entails proactive engagement with senior experts to understand technical and location-specific nuances to facilitate thorough risk evaluation of credit cases.

Primary Duties and Responsibilities

• Carry out risk and credit operations adhering strictly to ABHFL's frameworks and principles for basic transactions.
• Consult with senior personnel proactively to enhance understanding of technical requirements and regional considerations impacting credit assessments.
• Collaborate with Legal, Technical, and other verification agencies to conduct in-depth evaluations and obtain necessary clarifications for complex cases.
• Monitor bounce rates vigilantly to ensure they remain within predefined threshold limits.
• Execute operations efficiently to support business objectives while maintaining stringent risk management standards.
• Coordinate effectively with Credit Processing Analysts to ensure all case files are properly logged before credit operations commence.
• Work collaboratively with Sales and Operations teams via process-driven coordination to support decision-making and problem-solving, escalating issues to Regional Credit Managers (RCM) when necessary.
• Manage external vendors diligently to uphold quality standards in report generation and turnaround times.
• Oversee cost tracking to maintain expenses within budgetary constraints.
• Ensure precise entry of data into the Loan Origination System (LOS) and uphold high documentation standards.
• Facilitate timely collection of all post-disbursal documents as per assigned timelines.

Skills and Qualifications

Applicants should demonstrate a solid understanding of credit and risk management processes, strong coordination capabilities, and attention to detail in data handling and documentation. Familiarity with vendor management and budget monitoring is essential.