State Credit Manager - Ahmedabad

Job description

**Basic Details: Fill the required information about business, unit, location, position, reports to position and date of updation of JD** **Business** Financial Services **Unit** Aditya Birla Capital Limited **Location** Ahmedabad **Poornata Position Number of the job** **Reports to: Poornata Position Number** **Poornata Position Title of the job** State Credit Head – Business Loan **Reports to: Poornata Position Title** Circle Credit Manager **Function** Credit **Reports to: Function** **Department** RCMB **Reports to: Department** **Date of writing/ Updation of JD** May 2026 - Job Purpose: Write the purpose for which the job exists (in 2-3 lines) - Enhance file processing capabilities by implementing a robust credit strategy to minimize early delinquencies in regularly bouncing customers, closely monitoring behavior through tools like regional policies and a risk framework. - Achieve deeper market penetration in smaller regions by maintaining efficient turnaround times, aligning growth vision with the overarching goal to reach a portfolio value of 2 lakh crore. - Contribute to ROA through resource optimization and reduced credit losses, ensuring strict adherence to compliance and regulatory frameworks, including DSG guidelines when creating functional layers. Enabling technology and process improvement leading to optimization of efficiency and recuing manual process. - 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 CM/ACM 25 SCH/CCH 2 LEAD 1 Contract employees 6 Total 34 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 26 E closing book **Parameters** **Measurement Unit** **FY 22-23-A** **FY 23-24-A** **FY 24-25-P** **Fy 26** Closing Book Amt In Cr 40 () 74 () 700() 2200 () Volumes (no of files- logins) FY 24E Files No of files 5000() No of products Geographies No of locations 200+ portfolio maintenance TBD TBD TBD TAT As per SLA Approval Rates 45% no of customers ( FY 24 E) **FY 22-23-A** **FY 23-24-A** **FY 24-25-P** **FY 25-26 - P** **FY 26-27 - P** 40 () 74 () 800 2200 5000 ATS(Lakhs) – FY 24 E Rs50L PBT ( Cr FY 24 E) **FY 22-23-A** **FY 23-24-A** **FY 24-25-P** **FY 25-26 - P** **FY 26-27 - P** 044() 9.28() 29.61() Not Available being recently started business () Not Available being recently started business () Span ( Nos) 8 - 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 **Manual Processes** Without technology, underwriting processes may heavily rely on manual tasks, leading to inefficiencies, increased processing times, and a higher likelihood of errors. **Limited Data Analysis** Technology facilitates the analysis of large datasets for better risk assessment. Without it, underwriters may have limited access to data, hindering their ability to make informed decisions and identify emerging trends. **Scalability Issues** Manual underwriting processes may struggle to scale with the growing volume of business, leading to bottlenecks, delays, and a potential compromise in the quality of underwriting decisions. **Increased Operational Costs** Manual underwriting can be resource-intensive, requiring more staff and time. This can lead to higher operational costs and reduce the overall efficiency and profitability of the underwriting process. **Lack of Automation** Technology enables the automation of routine and repetitive tasks. Without it, underwriters may spend more time on administrative work, limiting their capacity to focus on complex risk assessments and strategic decision-making. **Inability to Leverage Data Sources** Technology allows underwriters to access a variety of data sources for comprehensive risk analysis. The absence of technology limits the underwriting team's ability to tap into alternative data and make well-informed decisions. **Reduced Competitiveness** In an industry where competitors leverage advanced technologies for underwriting, an organization without access to such tools may find it challenging to stay competitive, attract clients, and deliver efficient services. - 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 - Training and development of the resources to implement defined risk framework , evaluation of the proposals, adherence to policy programs defined - Analyzing the impact of the decisions in the context of the external environment, internal portfolio triggers and bringing in the required changes to curtain down the risk in the portfolio. - Driving the portfolio control strategies in the different markets as per the performance of the market. - Keeping turned around time - Assessment of RCSA, timely submission of the responses along with the samples. - Responding to compliance team on adverse observation for the customers - Ensuring that the audit teams across like concurrent, PAR & external are responded on timely basis. - Work closely with the collection and legal to take action against defaulting parties Proce