Area Credit Manager

Underwriting and Portfolio Quality Management

• Execute risk and credit operations for assigned transactions in adherence with defined frameworks and principles across ABHFL business lines
• Evaluate and approve proposals as per defined approval matrix, seeking guidance from seniors and assisting peers on specific cases as required
• Liaise with relevant ABFL Risk team members 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
• Coordinate seamlessly with Credit Processing Analysts and Credit Analysts to ensure files are logged appropriately and analyzed thoroughly
• Work as per process-driven coordination mechanisms with Sales and Operations teams for effective decision making and problem solving in line with business and risk management needs; escalate to RCM as required
  
  

• Ensure compliance with established risk management principles and norms; compile periodic and need based MIS, reports, escalation case documents, etc.
• Conduct local risk operations in line with defined ‘Maker – Checker’ mechanism with Sales and Operations teams in a systematic manner, across key aspects such as exception approvals, collateral valuation, PDD completion, cheque bounce collections, 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
  
  

• Work in partnership with Sales and Operations colleagues on case based decision making for effective support on business growth and sustainability
  
  

• Seek development to execute better risk assessment and loan underwriting via technical skill-up (e.g. proficiency on legal & technical documents, property business practices & norms, etc.) and role clarity
• Maintain relationships with internal stakeholders for smooth coordination on complex/ escalation/ exception cases