Key Responsibilities:

The key responsibilities include initial screening of the proposal, thorough appraisal of credit proposals with the required due diligence; coordination with the sales team for resolution of credit and risk concerns, maintaining Turn Around Time (TAT); interfacing with the Sales team for faster decisions; Assist in Anchor program reviews.

Underwriting and Recommending Quality Proposals

Supporting Actions
Underwrite proposals according to established parameters and credit policies.
Conduct a comprehensive analysis of Management Risk, Industry Risk, Business Risk, and Financial Risk associated with each proposal.
Adhere strictly to credit policy guidelines to ensure proposal compliance.
Identify and address strengths, weaknesses, and proper risk mitigants within each proposal.
Recommend high-quality proposals to ensure a robust portfolio with minimal Non-Performing Assets (NPAs).

Productive Turnaround Time (TAT) for Proposal Validation

Supporting Actions
Ensure prompt and effective processing of all proposals.




Maintain high standards for validation efficiency to support timely decision-making.

Renewal / Enhancement of Existing Facilities

Supporting Actions
Review and ensure renewal proposals comply with the conditions stipulated at the time of the previous sanction.
Ensure timely submission of renewal proposals to the Credit Committee.
Oversee the timely renewal process to ensure continued service to the client.

Sales Support & Capacity Building

Supporting Actions
Respond promptly and effectively to all requests from the Sales team.
Engage with customers to understand their business credentials, ensuring a smooth case progression and timely action.

Continuous Portfolio Monitoring and Audit Assistance

Supporting Actions
Conduct regular reviews of borrower accounts to ensure ongoing monitoring of portfolio quality.
Support the NCM Supply Chain Finance in completing a satisfactory audit of the portfolio under your responsibility.

📌 Senior Credit Manager Mid Market, Working Capital Bangalore Bengaluru (India)
🏢 Aditya Birla Capital (ABCL)
📍 India