Area Credit Manager - Kishangarh

Job description

**Basic Details: Fill the required information about business, unit, location, position, reports to position and date of updation of JD** **Business** **Unit** Aditya Birla Capital Ltd. **Location** **Poornata Position Number of the job** **Reports to: Poornata Position Number** **Poornata Position Title of the job (30 characters max)** Area Credit Manager / Credit Manager – Secured **Reports to: Poornata Position Title** State Credit Manager – Secured **Function** Credit **Reports to: Function** Credit **Department** Credit **Reports to: Department** Credit **Designation of the Employee** Area Credit Manager / Credit Manager – Secured **Designation of the Manager** State Credit Manager – Secured **Date of writing/updation of JD** Sept 2025 - Job Purpose: Area Credit Manager / Credit Manager– Secured - To manage and oversee credit underwriting operations for the Secured Urban Loan vertical (STSL & MLAP) within the assigned area by leading a team of Credit Managers. The role is responsible for ensuring accurate and policy-compliant credit assessments, maintaining audit and regulatory compliance, and supporting portfolio health through proactive risk management. The Area Credit Manager collaborates with collections and legal teams to address defaults, builds strong stakeholder relationships, and drives team performance through effective mentoring and process optimization. - Dimensions: Quantitative or qualitative parameters that are relevant for the job to provide a better understanding of the scope and scale of the job. Business Workforce Number (Max 254 Characters) 516 Direct Reportees NA Geography PAN India Other Quantitative and Important Parameters for the job: Budgets/ Volumes/No. of Products/Geography/ Markets/ Customers or any other parameter Parameters Measurement Unit FY 24-25 FY 25-26 Actual Proposed Closing Book Amt In Cr 4035(BL+DL) 6950 (BL+DL) 2017 ( STUL) 2100 ( STUL) 74 (SCF) 2000 (SCF) No. of Customers Count 50427( STUL) 52000 (STUL) 18340 (BL+DL) 31178 (BL+DL) 1500 (SCF) 16000 (SCF) Disbursement Amt In Cr 2520 (BL+DL) 7200 (BL+DL) 1392 (STUL) 400 (STUL) 331 (SCF) 6000 (SCF) No of Locations/Branches Count 250 325 Revenue-(NII + Fee Income ) Amt In Cr 243 (BL+DL) 297 (BL+SL) 224(STUL) 250 (STUL) 5 (SCF) 44(SCF) PBT Amt In Cr 80 (BL+DL) 216 (BL+DL) 80 (STUL) 63 (STUL) 2 (SCF) 60 (SCF) Credit Cost % 2.02% (BL+DL) 1.6% (BL+DL) 4.51%(STUL) 4.2%(STUL) ROA % 3% (BL+DL) 3% (BL+DL) 3% (STUL) 3% (STUL) 2% (SCF) 2% (SCF) ROE % 7.35% (BL+DL) 10% (BL+DL) 12%(STUL) 14% (STUL) Quality/GNPA % 4% (BL+DL) 4% (BL+DL) 6% (STUL) 6%(STUL) 1%(SCF) 1 % (SCF) - Job Context & Major Challenges: **Organization Context** Aditya Birla Capital Limited. ABCL is registered with RBI as a Systematically Important Non-Deposit accepting Non-Banking Finance Company (NBFC). ABCL is one of the top private diversified NBFCs in India. As of 31-Mar’25, ABCL has a pan-India presence with 450 branches and a lending book of Rs. 1.2 Lack Crores. ABCL offers end-to-end lending solutions to a diverse set of customers - Retail, HNI, MSMEs, and Mid & Large Corporates through secured as well as unsecured loan products. The diverse range of lending products includes Retail Small Ticket Secured and Unsecured Loans, Unsecured Personal Loans, Unsecured Business Loans, Health & Education Loans, Digital B2B2C and B2B2B Small Ticket Loans, Small Business Secured Loans, Loans Against Property (LAP), Lease Rental Discounting (LRD), Construction Finance (to Real Estate Developers), SME Loans, Capital Markets Loans (Loan Against Shares), Supply Chain Finance, Mid and Large Corporate Loans, and Infrastructure Finance loans. ABCL also has a Wealth Management division. ABCL is rated “AAA” by India Ratings, ICRA and CARE (reaffirmed in 2020). ABCL secured the ABG Business Excellence Award in 2017 (Silver), and 2015 (Bronze), and multiple other Awards on forums like CII. **Business Context** The Credit Function at ABFL plays a pivotal role in enabling responsible retail lending across a vast and diverse geographical footprint. With over 420 branches covering 12,500+ pincodes, the team supports exponential customer growth driven by both direct channels and lending service partnerships. This expansion demands robust credit evaluation and risk management capabilities.To meet the scale and speed of operations, the department has embraced advanced technology, including new APIs, STPs, Go-No-Go frameworks, and BREs under the Lentra Revamp Project, enabling faster turnaround and data-driven decisions. Analytics and data science are deeply embedded in underwriting, leveraging predictive models based on personal, financial, demographic, and bureau data. The Credit team also supports digital sourcing, especially in Supply Chain Finance, and is aligned with ABFL’s strategy to penetrate Tier 3 to Tier 5 cities, ensuring financial inclusion. With new growth areas like Education Loans and Two-Wheeler Financing, the function is central to ABFL’s mission of expanding its retail loan bouquet across India’s urban and emerging markets. As part of a top-tier NBFC with AAA credit ratings and ?1.30 lakh crore AUM, the Credit Function must navigate regulatory changes, manage credit costs, and maintain portfolio quality while supporting the company’s role in India’s journey toward a USD 5 trillion economy. The role demands collaboration across Sales, Risk,