ABHFL- Regional Credit Manager - ABCD- Lucknow

Aditya Birla Group
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📍 Lucknow, Uttar Pradesh, India
Mortgage Underwriting

About this role

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 TAT’s.
  • 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


Frequently Asked Questions

Is the salary disclosed for the ABHFL- Regional Credit Manager - ABCD- Lucknow position at Aditya Birla Group?
The salary for this ABHFL- Regional Credit Manager - ABCD- Lucknow role at Aditya Birla Group is not publicly listed. Click "Apply Now" to learn more about the compensation package on their official careers page.
Where is the ABHFL- Regional Credit Manager - ABCD- Lucknow position at Aditya Birla Group located?
This ABHFL- Regional Credit Manager - ABCD- Lucknow role at Aditya Birla Group is based in Lucknow, Uttar Pradesh, India. The position is listed as on-site or hybrid. Check the full job description or apply directly to confirm the work arrangement.
How do I apply for the ABHFL- Regional Credit Manager - ABCD- Lucknow position at Aditya Birla Group?
Click the "Apply Now" button on this page. You will be redirected to Aditya Birla Group's official application portal hosted on peoplestrong where you can submit your application directly.
When was the ABHFL- Regional Credit Manager - ABCD- Lucknow job at Aditya Birla Group posted?
This ABHFL- Regional Credit Manager - ABCD- Lucknow position at Aditya Birla Group was posted on Jul 14, 2026. Apply as soon as possible — early applications are often reviewed first.
ABHFL- Regional Credit Manager - ABCD- Lucknow
Aditya Birla Group
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