Area Credit Manager-Prime-Gurgaon

Role Overview

The Area Credit Manager for Prime in Gurgaon will handle credit and risk operations for assigned cases, with a focus on underwriting quality, process discipline, compliance, and support for business growth. The role sits within a framework that balances speed of decision-making with strong risk control across business lines.

Key Responsibilities

• Manage underwriting and credit operations for assigned transactions according to the approved risk framework and operating principles across ABHFL business lines.
• Assess and sanction proposals within the defined approval authority, taking support from senior colleagues on complex matters and helping peers when needed.
• Coordinate with the relevant risk team members for legal and technical review, and obtain clarifications for difficult cases.
• Drive risk operations in a way that supports business performance while still protecting risk standards.
• Work closely with Credit Processing Analysts and Credit Analysts to ensure that files are logged correctly and evaluated in depth.
• Use structured coordination with Sales and Operations teams to support sound decisions and resolve issues; escalate matters to the RCM when required.
• Maintain adherence to risk control norms and prepare MIS, reports, and escalation documentation as needed.
• Operate local risk processes through a maker-checker mechanism with Sales and Operations, including exception handling, collateral valuation, PDD completion, cheque bounce collections, and similar activities.
• Partner with Collections and Operations teams to monitor delinquent accounts and improve recovery outcomes.
• Raise complex or sensitive cases to the RCM to help prevent recovery issues and avoid delinquency or NPA build-up.
• Support sales and operations partners through case-wise decisions that contribute to business expansion and long-term sustainability.
• Build capability in underwriting by strengthening knowledge of legal and technical documents, property-related business practices, and role-specific procedures.
• Develop and maintain strong relationships with internal stakeholders to ensure smooth handling of exceptions, escalations, and complex cases.

Additional Information

This position requires strong judgment, cross-functional coordination, and consistent attention to risk controls. The work involves both approval decisions and operational follow-through across underwriting, collections support, and compliance-related processes.