Area Credit Manager-Prime-Gurgaon

Role OverviewThe 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 ResponsibilitiesManage 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 InformationThis 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.