ABHFL Credit Manager Recruitment 2026 – Credit Manager Job in Durgapur, West Bengal

Job Description

Aditya Birla Housing Finance Limited (ABHFL) is hiring for the position of Credit Manager – Retail in Durgapur, West Bengal. This is a full-time, on-site opportunity suitable for candidates interested in banking, housing finance, credit underwriting, risk management and loan operations.

The selected candidate will primarily be responsible for evaluating credit cases, maintaining portfolio quality, coordinating with sales and operations teams, managing vendors, monitoring delinquency and ensuring that loan processing activities comply with the organisation’s risk and credit policies.

Candidates who are looking for Credit Manager jobs in Durgapur, banking jobs in West Bengal or career opportunities with Aditya Birla Housing Finance can check the complete details below.

Job Overview

Particulars	Details
Company Name	Aditya Birla Housing Finance Limited (ABHFL)
Job Role	Credit Manager – Retail
Job Location	Durgapur, West Bengal
Salary	Not disclosed in the official job listing
Qualification	Not specifically mentioned in the available listing
Experience	Not specifically mentioned in the available listing
Job Type	Full-Time
Work Mode	On-Site
Department	Credit / Risk / Retail Housing Finance
Job Reference	ABG106488

Job Description

ABHFL is looking for a Credit Manager who can support its retail credit and risk management operations in Durgapur.

The main objective of this role is to ensure that lending decisions are taken after proper assessment of customer profiles, documentation, property-related information and overall credit risk. The Credit Manager will also coordinate with different internal departments and external verification agencies to help maintain the quality of the loan portfolio.

The position involves credit underwriting, risk assessment, loan documentation, compliance monitoring, vendor coordination, delinquency tracking and portfolio management.

The employee will work closely with sales, operations, collections, legal, technical and credit processing teams to ensure that cases move through the loan approval process efficiently while following established risk policies.

This can be a suitable career opportunity for professionals who want to develop their career in housing finance, retail lending, banking credit operations or financial risk management.

About Aditya Birla Housing Finance Limited

Aditya Birla Housing Finance Limited, commonly known as ABHFL, operates in the housing finance sector and provides financial solutions related to home ownership and property-backed lending.

The company is associated with the Aditya Birla financial services ecosystem and serves customers through different housing finance and retail lending products.

ABHFL’s credit and risk teams play an important role in evaluating loan applications, assessing borrower repayment capability, verifying property-related information and maintaining the quality of the overall loan portfolio.

Working in a Credit Manager position can provide exposure to multiple areas of retail finance, including underwriting, legal and technical verification, risk management, collections and loan operations.

Eligibility Criteria

Educational Qualification

The specific educational qualification has not been mentioned in the available job listing.

Candidates should carefully check the latest eligibility requirements on the official Aditya Birla Group career portal before submitting their application.

Candidates with an educational background related to finance, commerce, banking, business administration or similar fields may find the responsibilities relevant, but applicants should rely on the official application page for mandatory qualification requirements.

Age Limit

No specific minimum or maximum age limit has been mentioned in the available recruitment information.

Applicants should refer to the official ABHFL career portal for any applicable age-related criteria.

Gender

No gender restriction has been specified in the available job description.

Eligible candidates should apply based on the qualification, experience and skill requirements mentioned on the official recruitment portal.

Experience Required

The available listing does not mention a specific number of years of experience.

However, knowledge or experience related to the following areas can be useful for this role:

• Retail credit operations
• Housing finance
• Loan underwriting
• Credit risk assessment
• Banking or NBFC operations
• Loan documentation
• Portfolio monitoring
• Collections and delinquency management
• Legal and technical property verification

Candidates should check the official application page for the exact experience requirement before applying.

Job Responsibilities

The Credit Manager may be responsible for the following activities:

• Handle assigned credit and risk operations in accordance with ABHFL’s internal credit policies and risk frameworks.
• Assess individual loan cases and identify potential credit-related risks before approval.
• Obtain guidance from senior team members for complex credit, technical or property-related cases.
• Coordinate with legal, technical and verification agencies whenever additional property or documentation assessment is required.
• Monitor the quality of the loan portfolio and keep track of cheque or payment bounce rates.
• Ensure that credit cases are processed efficiently without compromising risk management standards.
• Coordinate with Credit Processing Analysts to make sure loan files are properly logged and documented before credit assessment begins.
• Work closely with sales and operations teams to resolve issues related to loan applications.
• Escalate complicated or exceptional cases to senior credit or risk managers when necessary.
• Manage external vendors responsible for legal, technical and other verification reports.
• Monitor turnaround time and ensure that reports are received within the expected timeline.
• Keep verification and processing costs within approved budget levels.
• Ensure accurate information is entered into the Loan Origination System or LOS.
• Maintain complete and high-quality loan documentation.
• Track and collect post-disbursement documents within the assigned timeline.
• Prepare periodic reports, MIS reports and escalation documents related to credit and risk operations.
• Follow internal control mechanisms for approvals, collateral valuation, documentation and exception cases.
• Support audit compliance and ensure that audit observations are resolved within the specified turnaround time.
• Coordinate with collections and operations teams to track overdue or delinquent accounts.
• Assist in preventing accounts from becoming Non-Performing Assets or NPAs.
• Communicate and coordinate regarding selected delinquent customer cases when required.
• Report suspected fraud cases to the appropriate risk monitoring and regional or zonal risk teams.

Required Skills

Candidates applying for the ABHFL Credit Manager position should ideally have a combination of credit, analytical and communication skills.

Technical Skills

• Understanding of credit underwriting
• Knowledge of retail lending processes
• Basic knowledge of housing finance and mortgage products
• Credit risk assessment ability
• Understanding of customer financial documents
• Knowledge of loan documentation procedures
• Familiarity with legal and technical property documents
• Understanding of collateral valuation
• Knowledge of portfolio monitoring
• Familiarity with delinquency and NPA management
• Understanding of Loan Origination Systems or similar banking software
• Ability to prepare MIS and credit-related reports
• Basic understanding of audit and compliance requirements

Soft Skills

• Strong analytical ability
• Attention to detail
• Problem-solving skills
• Good written and verbal communication
• Coordination and stakeholder management skills
• Decision-making ability
• Time management
• Vendor management capability
• Ability to handle multiple cases efficiently
• Willingness to learn and continuously develop credit and risk assessment skills

Salary Details

The salary package for the ABHFL Credit Manager – Retail position has not been disclosed in the available job advertisement.

The final compensation may depend on factors such as:

• Candidate’s current salary
• Relevant work experience
• Educational background
• Credit or banking industry experience
• Interview performance
• Company compensation structure

Candidates should discuss the exact salary, incentives and other benefits directly with the official recruitment team during the selection process.

Do not make any payment to an unknown individual or third party in exchange for a job offer.

Work Location

The position is based in:

Durgapur, West Bengal, India

The job has been listed as an on-site position. Therefore, selected candidates should be prepared to work from the assigned office or business location.

Work Shift

The exact working hours and shift timing have not been specified in the available job listing.

Candidates can confirm working days, office timing, weekly offs and other attendance-related conditions during the recruitment process.

Facilities and Benefits

Specific benefits have not been detailed in the available advertisement.

Depending on company policy and candidate eligibility, employment benefits may be communicated during the offer stage.

Applicants should verify details such as:

• Provident Fund
• Medical or insurance benefits
• Paid leave
• Performance incentives
• Annual bonus
• Travel or local reimbursement
• Employee welfare benefits

These should not be considered confirmed unless mentioned in the official offer or recruitment communication.

How to Apply for ABHFL Credit Manager Recruitment 2026

Interested candidates can apply online through the official Aditya Birla Group recruitment portal.

Step-by-Step Application Process

1. Visit the official Aditya Birla Group career portal.
2. Search for the Credit Manager – Retail position.
3. You may also search using Job Reference ID: ABG106488.
4. Open the Durgapur Credit Manager job advertisement.
5. Read the complete eligibility criteria and job responsibilities carefully.
6. Click on the Apply option.
7. Register or log in to the recruitment portal.
8. Enter your personal, educational and professional information.
9. Upload your updated resume or CV.
10. Review all entered details before submitting the application.
11. Submit the application and retain any acknowledgement or application reference for future use.

Official Application Page:

https://abgcareers.peoplestrong.com/job/detail/ABG106488?reference=LINKEDIN

Candidates are advised to apply only through the official company recruitment platform or another verified recruitment source.

Required Documents

Candidates should keep the following documents ready while applying or attending further stages of recruitment:

• Updated Resume or CV
• Recent passport-size photograph
• Aadhaar Card or valid government identity proof
• PAN Card
• 10th marksheet and certificate
• 12th marksheet and certificate
• Graduation marksheets and certificate, if applicable
• Postgraduate certificate, if applicable
• Previous employment offer or appointment letters
• Experience certificates
• Latest salary slips, if applicable
• Bank account details, if requested after selection
• Address proof
• Relieving letter from previous employer, where applicable

Original documents should normally be submitted only when specifically requested by an authorised company representative.

Other Important Details

• Job Type: Full-Time
• Work Mode: On-Site
• Location: Durgapur, West Bengal
• Functional Area: Credit and Risk Management
• Industry: Housing Finance / Financial Services
• Major Responsibilities: Credit underwriting, portfolio monitoring, risk management, documentation and collections coordination
• Candidates may need to interact with sales, operations, collections, legal and technical teams.
• The role requires proper attention to documentation and compliance.
• Candidates should be comfortable handling loan files, risk evaluation and internal reporting.
• Knowledge of local property practices can be beneficial for housing finance credit assessment.
• Selected employees may need to coordinate with external legal, technical or verification vendors.

Why Consider This Opportunity?

The ABHFL Credit Manager position offers exposure to several important functions within the housing finance industry.

Professionals working in this role can gain experience in:

• Retail loan underwriting
• Housing finance operations
• Credit risk management
• Property-related assessment
• Portfolio quality monitoring
• Loan documentation
• Collections coordination
• Regulatory and internal compliance
• Vendor management
• Banking and NBFC credit processes

This experience can be valuable for professionals planning to build a long-term career in banking, NBFCs, housing finance companies, credit underwriting or financial risk management.

Important Note for Applicants

Job seekers should verify the latest job status, qualification requirements, experience criteria and application deadline on the official recruitment portal before applying.

Never pay money to an unauthorised person for recruitment, interview scheduling, appointment letters or job confirmation.

The recruitment requirements may be modified, closed or updated by the employer without prior notice.