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The Credit and Risk Management Team at Indiabulls Housing Finance Ltd. is responsible for assessing and managing the creditworthiness of loan applicants, ensuring that lending decisions align with the company’s risk appetite. They develop and implement credit policies, monitor portfolio performance, and conduct risk assessments to mitigate potential losses, all while upholding transparency and integrity in the loan process. This team plays a crucial role in fostering financial stability and maintaining customer trust in the housing finance sector.