Area Credit Manager - Ahmedabad

Job description

**usiness** Financial Services **Unit** Aditya Birla Capital Limited **Location** **Poornata Position Number of the job** **Reports to: Poornata Position Number** **Poornata Position Title of the job** Area Credit Manager – STSL **Reports to: Poornata Position Title** Circle Credit Head **Function** Credit **Reports to: Function** Credit **Department** Retail **Reports to: Department** **Date of writing/ Updation of JD** 6 th March 2026 - Job Purpose: Write the purpose for which the job exists (in 2-3 lines) - Responsible for ensuring sound understanding of credit policy across all relevant levels, in the team. - Maintaining Portfolio quality. - Assessing potential customers' creditworthiness. - Achieving Monthly Audit Targets - Managing a team of Credit Managers and mentor the team to achieve the business objectives - Collaborating with various stake holder with an aim of achieving overall business targets. - Dimensions: Mention quantitative or qualitative parameters that are relevant for the job and provide a better understanding of the scope and scale of the job. Business Workforce Number 50 workforces including both on role (34) and off role staff (16) Unit Workforce Number **NA** Function Workforce Number **NA** Department Workforce Number **NA** Other Quantitative and Important Parameters for the job: Budgets/ Volumes/No. of Products/Geography/ Markets/ Customers or any other parameter Budget (Cr) FY 24 E closing book 2900 Volumes (no of files- logins) FY 24E 15000 No of products 1 (STSL) Geographies No of locations 95 Tier-1 16 Tier-2 13 Tier-3 34 Tier-4 32 Portfolio Maintenance Early Mortality (0-12 MOB) Cheque Bouncing not more than 9.00% NPA% not more than 2.00% GNPA (90 days for Secured Products) TAT As per SLA Approval Rates 55% No of customers (FY 24 E) 8500 ATS(Lakhs) – FY 24 E 35 PBT (in Cr. FY 24 E) 70 Span (Nos) 4 Productivity (files per CM) 22 - Job Context & Major Challenges: Write the specific aspects of the job that provide a challenge (internal and external) to the jobholder in the context of the Business/Unit/Function/Department/Section **Function Context** - Having focused traditionally on secured lending verticals and built a strong balance sheet on the same, ABFL has now ventured into Small Ticket Secured Lending (STSL) business segment in order to effectively capitalize on its financial base with carefully managed exposures in this higher yield segment - Small Ticket Secured Lending (STSL) segment products line caters to funding medium to long-term working capital needs of small businesses and individuals, via a suite of customized medium and long tenured products which are primarily backed by collateral/security. - Risk function is engaged in evaluating the creditworthiness of business entity/individual applicants by considering the quantitative & qualitative factors like the client credibility, size of the client business, earnings of an individual, capital adequacy, liquidity and management quality **Job Context** - To ensure institutionalize the approval process for STSL proposals and ensure its seamless adoption by engaging with the sales teams to receive adequate documentation/ information for review and analysis - To work towards continuous improvement of credit approval process in order to meet dynamic business and regulatory needs - To monitor key initiatives and MIS with the sales team and institute mechanisms for complete safety of financed amount and timely regularization of margin shortfall - To monitor team’s Turnaround Time and ensure it is as per the defined SLAs. **Key Challenges** Technical The market is highly competitive with availability of solutions which provides data at a click of a second. We need to continuously explore bring technology upto the curve as the manual leg in underwriting on technology front is quite exhaustive. Talent Retention Retaining key talent within the team can be difficult, especially if employees are seeking more. Compensation Packages from Rival companies Portfolio management in dynamic environment Portfolio management in continuously changing external environment and competition strategy can be very difficult to manage. FTR logins - To ensure availability of data and information for exhaustive credit appraisals as each of the proposals has their respective structuring complexities as per the customer, product & regulatory requirements - Ensuring faster TATs for approval process - To ensure that credit and customer risk are mitigated while pending documentation is monitored and regularized - Proactive monitoring and identification of risks in a dynamic and fast paced business context and regularization of margin shortfalls. - 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 - Credit Underwriting Management - Undertake analysis of the credit proposal based on pre- determined criteria and analyze market information, current macroeconomic scenario, current portfolio concentration, etc. - Make decision proposals within delegated authority - Evaluate new credit proposals / review existing credit exposures with a view to bring out the industry, business, financial, management and facility structure risk. - Highlight the other credit risks and mitigation actions to take decision / facilitate the approving authority to take decision on the credit proposal. - Identify risks and suggest measures to mitigate risks to ensure workability of the loan proposals - Ensure prompt resolution/ explanat