Credit Manager

Company - Aditya Birla Housing Finance

Job Description

Position: Credit Manager

Location: Giridi 1 Bargarh 1 and Bolangir 1 (Motihari 1 Darbhanga 1 - Relocation OK)

Department: Credit - Secured Lending

Salary upto : CTC up to 7.5LPA

Role Purpose

We are seeking an experienced Credit Manager to strengthen our secured lending business and independently manage High Value (HV) credit underwriting at Credit Manager – Motihari and Credit Manager – Darbhanga. The incumbent will be responsible for evaluating complex credit proposals, assessing borrower risk, driving portfolio quality, and enhancing the location's underwriting capability through sound credit judgment and robust risk assessment practices.

Key Responsibilities

Conduct detailed credit appraisal and underwriting of secured lending proposals, including High Value (HV) cases.

Analyze financial statements, income documents, banking behavior, cash flows, and business performance to assess repayment capacity.

Perform comprehensive ratio analysis, cash flow assessments, and credit risk evaluations.

Review and recommend credit proposals in line with company credit policies, risk frameworks, and regulatory guidelines.

Evaluate customer profiles, collateral security, market intelligence, and industry risks.

Ensure quality portfolio growth while maintaining prudent risk standards.

Collaborate closely with Sales, Operations, Legal, Technical, and Risk teams for effective credit decision-making.

Identify potential credit risks and recommend suitable risk-mitigation measures.

Drive continuous improvement in underwriting standards and support the development of the location's HV underwriting capability.

Ensure adherence to TAT, compliance requirements, and audit standards.

Desired Candidate Profile

Educational Qualification (Mandatory)

Chartered Accountant (CA) or

MBA in Finance from a recognized institution.

Experience

5 to 6 years of experience in secured credit underwriting.

Proven experience in handling High Value (HV) credit cases.

Strong understanding of retail and/or SME credit assessment.

Candidates currently working as Credit Manager or strong Assistant Credit Manager (ACM) with demonstrated underwriting capability may also be considered.

Required Skills

Financial Statement Analysis

Credit Appraisal & Risk Assessment

Ratio Analysis

Cash Flow Analysis

Banking & Income Assessment

Secured Lending Underwriting

High Value Case Evaluation

Collateral Assessment

Decision-Making & Credit Judgment

Stakeholder Management

Compliance & Policy Adherence

Key Competencies

Strong analytical and problem-solving skills.

Independent credit decision-making capability.

Attention to detail and risk awareness.

Ability to handle complex and high-ticket credit cases.

Strong communication and stakeholder management skills.

Ownership, accountability, and customer-centric approach.

Experience: 5-6 Years

 Location: Giridi 1 Bargarh 1 and Bolangir 1

 Qualification: CA / MBA (Finance) Preferred (Strong ACM profiles with relevant HV underwriting experience may also be considered)

Share Your CV - Sudipta Adhikary - Senior HR Consultant 

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