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ABHFL- Regional Credit Manager ABCD- Lucknow

Financial Services

Job Location:

Lucknow - India

Monthly Salary: INR 2800000 - 3200000

Posted: 17 July 2026 (30+ days ago)

Application Deadline: 14 October 2026

Vacancies: 1 Vacancy

Job Summary

4) Key Result Areas:Write the key results expected from the job and the supporting actions for each of these key result areas (For a majority of jobs typically there could be 4- 7 key result areas)
Key Result Areas	Supporting Actions
Underwriting and Portfolio Quality Management	Implement and oversee execution of regional risk and credit operations in adherence with defined frameworks and principles across ABHFL business lines Liaise with relevant stakeholders (Sales Operations) and escalate appropriately for efficient coordination and decision making on specific proposals/ escalation cases Communicate with and guide team members on specific cases/ exceptions providing insights on technical aspects as well as state/ property specific considerations for effective risk assessment Evaluate and approve proposals as per defined approval matrix and assist team members on specific approval cases as required. Monitor the bounce rates and portfolio delinquency buckets as per threshold limits and report early defaulters Ensure collection of Post disbursal documents within assigned time frame.
Process Efficiency	Drive process efficiency through the team across different risk operations acting as a business enabler without compromising on risk management imperatives Work as per and guide team members towards process-driven coordination mechanisms with Sales and Operations teams for effective decision making and problem solving in line with business and risk management needs Intervene in escalation/ exception cases liaising as required with stakeholders in Sales and Operations teams and escalating to Zonal Head Risk if required Effectively managing external vendors to ensure quality of reports & TAT Efficiently track Cost and ensure they are within budgeted levels.
Risk Compliance & Control	Ensure compliance with established risk management principles and norms via periodic and need based reviews of relevant MIS reports escalation case documents etc. Ensure regional operations are aligned 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. Ensure minimal critical observations in Audit and also to ensure all observations are resolved within specified TATs. To identify cases under early warning signals and analyse the same.
Collection Efficiency	Work in alignment with process-driven mechanisms for coordination with the Collections/ Operations team on tracking delinquency cases and driving collections efficiently and effectively Intervene as required on specific escalation cases for recovery and delinquency/ NPA avoidance; escalate to Zonal Head Risk as required Monitoring of delinquent portfolios. Liaison with key delinquent customers and support collections team for resolutions of all cases Report fraud cases to Risk monitoring team and Zonal/National Risk Head. Cases
Business Growth and Sustainability	Work in partnership with Sales and Operations colleagues on case-based decision making and drive the same partnership orientation down the line as well
Team & Internal Stakeholder Management	Guide and develop team members to facilitate better risk assessment underwriting skills and internal stakeholder management via technical skill-up (e.g. proficiency on legal & technical documents property business practices & norms etc.) and help them achieve superior performance standards & productivity levels Nominate teams for relevant technical and behavioral trainings/ seminars and work on self-development initiatives Maintain relationships with internal stakeholders for smooth cross-functional coordination and alignment towards achievement of function and business objectives
Team & Internal Stakeholder Management	Guide and develop team members to facilitate better risk assessment underwriting skills and internal stakeholder management via technical skill-up (e.g. proficiency on legal & technical documents property business practices & norms etc.) and help them achieve superior performance standards & productivity levels Nominate teams for relevant technical and behavioral trainings/ seminars and work on self-development initiatives Maintain relationships with internal stakeholders for smooth cross-functional coordination and alignment towards achievement of function and business objectives

Required Experience:

Manager

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About Company

Financial Services

Discover a world of financial solutions at Aditya Birla Capital – your trusted partner for investments, insurance, loans, and a wide range of financial services in India.

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