Senior Credit Manager

Job description

**Company Description** Aditya Birla Capital Ltd is a diversified financial services company headquartered in Mumbai, India, offering a broad suite of financial solutions to individuals and businesses. The organization emphasizes strong ethical standards, customer-centric services, and long-term value creation. Aditya Birla Capital is committed to equal employment opportunity and prohibits discrimination or harassment based on any characteristic protected by law. Diversity, Equity, and Inclusion are integrated into its recruitment and people practices, with hiring decisions driven by business needs and candidates’ qualifications, skills, and experience. The company provides a professional environment that values merit, respect, and collaboration. **Role Description** This is a full-time, on-site Senior Credit Manager role based in Dehradun. The Senior Credit Manager will evaluate and approve credit proposals, assess borrower profiles, and analyze financial statements to determine creditworthiness. The role includes monitoring existing credit portfolios, identifying early warning signals, and recommending risk mitigation measures. The individual will collaborate with sales, operations, and risk teams to design appropriate credit structures and ensure adherence to internal policies and regulatory guidelines. The Senior Credit Manager will also contribute to credit process improvements, prepare periodic reports and presentations, and provide guidance and mentoring to junior team members. **Qualifications** - Strong foundation in Credit Management and Credit, with experience in appraising and structuring credit facilities. - Demonstrated expertise in Credit Risk Management, including portfolio monitoring, risk assessment, and policy compliance. - Advanced Analytical Skills and solid understanding of Finance, including financial statement analysis, cash flow evaluation, and ratio analysis. - Relevant academic background such as a bachelor’s or master’s degree in Finance, Commerce, Economics, Business, or a related field. - Prior experience in a banking, NBFC, or financial services credit role, preferably at a senior or team-lead level. - Strong communication, stakeholder management, and decision-making skills, with the ability to work under time-sensitive conditions. - High level of integrity, attention to detail, and familiarity with applicable regulatory and compliance frameworks.