Credit Manager - Retail - Shimoga (Karnataka)

As a Credit Manager at the Financial Services organization in India, Karnataka, Kuvempu Nagar, Mysore, your main purpose is to execute risk and credit operations on the basic transactions assigned, adhering to established frameworks and processes to ensure sound portfolio quality management. Your role also involves coordinating with Sales, Operations, and ABFL Risk colleagues to ensure efficient and effective risk management operations.

- Impact Areas: - Function - Dept. - Section - Remarks - Manpower (Nos.): - Management - Staff - Worker - Contract - Total - Other Relevant Parameters: - Capacity/ Volumes/ Budget - Loan Approval Limit - Process/ SOP adherence - NPA% Qualification Required: - The Credit Manager role requires you to have a strong understanding of risk and credit operations, along with the ability to follow established guidelines and norms for efficient creditworthiness and risk assessment. - You should possess knowledge of the Legal and Valuation framework to effectively perform your role, including meeting customers as part of the underwriting process and visiting the property being funded. - It is essential for you to balance priorities between risk management and business growth efficiently, particularly in the context of ABHFL being in its inception phase with rapid growth. - You must be able to factor in Construction Risk from under-construction projects not getting completed as planned when designing and implementing control mechanisms and evaluating business proposals. Additional Company Details: Aditya Birla Housing Finance Limited (ABHFL) is part of the Aditya Birla Financial Service Group (ABFSG) and registered with the National Housing Bank as a housing finance company. ABHFL offers a complete range of housing finance solutions, including home loans, home improvement loans, balance transfer loans, loans against property, and construction finance. The company operates in the Indian Housing Finance market and has aggressive growth plans while maintaining good asset quality. ABHFL focuses on sound risk management guidelines and compliance with regulations to protect the business and customer interests effectively.