Area Credit Manager-Prime-Delhi

Role Overview

This position is focused on credit risk oversight for assigned transactions within the Prime business. The role supports prudent lending decisions, portfolio quality, operational coordination, and issue resolution across the credit lifecycle.

Key Accountabilities

The role covers underwriting, risk governance, process coordination, collections support, and internal stakeholder management to help balance business growth with credit discipline.

Underwriting and Portfolio Quality Management

• Handle risk and credit operations for assigned cases in line with the approved frameworks and operating principles used across ABHFL business lines.
• Review and sanction proposals within the defined approval matrix, taking guidance from senior team members and supporting colleagues on complex files when needed.
• Coordinate with the relevant risk team members for legal and technical checks, and obtain clarifications for complicated cases.

Process Efficiency

• Run risk operations in an efficient manner that supports business outcomes while still meeting risk-control expectations.
• Work closely with Credit Processing Analysts and Credit Analysts to ensure files are recorded correctly and assessed in detail.
• Follow structured coordination with Sales and Operations teams to support decision-making and problem-solving, and escalate matters to the RCM when required.

Risk Compliance & Control

• Maintain adherence to established risk norms and controls, and prepare MIS, periodic reports, and escalation documents as needed.
• Execute local risk processes through a maker-checker approach with Sales and Operations teams, including exception approvals, collateral valuation, PDD completion, cheque bounce collection handling, and related activities.

Collection Efficiency

• Partner with Collections and Operations teams to monitor delinquent accounts and support effective recovery actions.
• Refer complex or specific cases to the RCM to help reduce recovery risk and prevent delinquency or NPA formation.

Business Growth and Sustainability

• Collaborate with Sales and Operations teams on case-by-case decisions that support business expansion while keeping the portfolio sustainable.

Self-Development & Internal Stakeholder Coordination

• Continuously strengthen credit evaluation and loan underwriting capabilities through technical learning, including legal and technical documentation, property-related norms, and similar domain knowledge.
• Build and maintain strong working relationships with internal stakeholders to ensure smooth handling of exceptions, escalations, and complex cases.