Area Credit Manager

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

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

1) 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.

2) Dimensions:

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

Function Context:

1. 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
2. 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.
3. 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:

1. 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
2. To work towards continuous improvement of credit approval process in order to meet dynamic business and regulatory needs
3. 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
4. To monitor team's Turnaround Time and ensure it is as per the defined SLAs.

Key Challenges:

4) Key Result Areas:Writethe 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)

• Credit Underwriting Management

1. Undertake analysis of the credit proposal based on pre- determined criteria and analyze market information, current macroeconomic scenario, current portfolio concentration, etc.
2. Make decision proposals within delegated authority
3. Evaluate new credit proposals / review existing credit exposures with a view to bring out the industry, business, financial, management and facility structure risk.
4. Highlight the other credit risks and mitigation actions to take decision / facilitate the approving authority to take decision on the credit proposal.
5. Identify risks and suggest measures to mitigate risks to ensure workability of the loan proposals
6. Ensure prompt resolution/ explanation of queries raised by sanctioning authorities
7. Recommend delegation authority to RCMs/ACMs/CMs to ensure faster TAT for parameterized proposals.
8. Work closely with the collection and legal to take action against defaulting parties

• Portfolio Management

• To monitor the STSL business portfolio performance by continuous analysis of fundamentals, review of the ratings, analysis of the covenant and evaluation of the industry performance in that sector
• Review the covenant of loan proposals at frequent intervals and undertake action for serious deviations
• Protect from potential loss on the credit portfolio by detecting early warning signals of deteriorating risks and advising these to the Relationship Managers, RSMs, NSMs and Senior Management.
• Formulate strategies to reduce exposures where the credit risk has enhanced including complete recovery before the credit deteriorates to non-performing category

• Process Improvements

• Provide inputs and suggest amendments for various lending norms like Risk Matrix, Interest Rate Policy, Credit Authorization Matrix, Risk Universe, Processes keeping the current regulatory and compliance environment in mind
• Undertake improvements in approval notes and other processes to meet dynamic market environment and needs of new customer segments
• Deploy effective processes and mechanisms to ensure high quality TATs for validating lending proposals & share the same with all concerned stakeholders

• Business Growth / Cross Functional Coordination / Stakeholder Management

• Support sales team in maintaining partner relationshipswith DSAs and Channel Partners and regular visits and trainings to meet business results
• Communicate the expected credit standards by engaging with the channel partners, sales teams and other distributors in understanding the proposals submitted and extracting the relevant supporting information and Co-coordinating for smooth disbursement.
• Discussing through the door login trend and educating the business team on wastages and corrective actions.

• Deliver, Stay and growth

• Deliver - Ensure that business and portfolio related targets are met within given timeframe
• Stay - Ensure controlled attrition by way of continuous training and development, thus resulting into internal growth to team members
• Growth - Understanding of the requirement of workforce to ensure that the right environment is created for people to grow.

• Cross Functional Coordination

• Communicate the expected credit standards by engaging with the channel partners, sales teams and other distributors in understanding the proposals submitted and extracting the relevant supporting information
• Oversee communication cascades to the sales teams on the broad parameters for validating lending proposals, provide regular trainings to RMs for the same
• Ensure document execution from RMs and the files are up to date

• Reporting, Review & MIS

• Regularly Review & Monitor the Portfolio performance, OTC & PDD movement and Compliance related matters
• Regularly Review & Monitor Vendor Management and closure of Audit queries
• Review the delegation of authority exercised by RCMs

• Team Management

• Provide the team with best-in-class knowledge on selection norms, new ways of proposal analysis and concepts
• Ensure that the team stays abreast with all the latest developments in the secured lending space
• Nominate teams for product, behavioral & negotiation trainings and work on self-development initiatives

• Credit Projects

• Taking up projects with an aim of improving processes / portfolio hygiene from time to time with overall objective of improving ROA and / or cost control.

5) Job Purpose of Direct Reports:Describe the job purpose of the direct report/s to the job (in 2-3 lines for each report)

Regional / Area Credit Manager - STSL

• Set up and lead the team of Regional / Area Credit managers for managing day to day credit approvals under STSL Loans Vertical, drive towards assessing credit worthiness of the borrower by using data points available along with adherence to the defined credit policy checks.
• Ensure audit compliance like concurrent, PAR & external, regulatory procedures, and governance are responded across locations on time.
• Work closely with the collection and legal to act against defaulting parties.
• Develop strong internal and external relationship, portfolio performance.
• Leading, mentoring and monitoring the performance of the team members to ensure efficiency in processes.

Relationship Type

Frequency

Nature

Internal

External

SIGN-OFF:Provide the name of the Manager and the jobholder. Signature needed for the hard copy of the JD. Hard copy to be maintained in the organizational record.

Job Holder

Reports to - Manager

Name

Date of Entry / Approval