Job Purpose

1. Job Purpose: Write the purpose for which the job exists (in 23 lines) (Max 1325 Characters) To ensure the smooth flow of the BL/DL proposals for their regions; to drive continuous improvement in credit approval process in order to meet the dynamic business needs; to coordinate with RMs Business Team, midoffice team, clients, and other agencies to improve upon TATs and instituting mechanisms for complete safety of ficed amount and timely regularization of margin shortfall.

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: Sales Counter part 810 ASMs, 20 CMs RSMs
- Unit Workforce Number: 1012 CMS/ACMS
- No. of Products: 2, i.e., Business loans and Doctor Loans
- Geography: Region consisting of multiple states
- No. of Locations: 23 Locations
- Channel Management: Multiple (6075) Channel/DSA Partners
- Vendor Management: CPV/FI/PD Agencies, 1618 Vendors
- No. of Customers: 500 Per ACM in his / her Portfolio
- Portfolio Maintece (NPA%): Within 1.75%

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

Organization Context

Aditya Birla Capital Limited ABCL is a lending subsidiary of Aditya Birla Capital Limited. ABCL is registered with RBI as a Systematically Important NonDeposit accepting NBFC. ABCL is one of the top private diversified NBFCs in India. As of 31Dec 20, ABCL has a panIndia presence with 91 branches and a lending book of 560 Crores.

ABCL offers endtoend 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 Fice (to Real Estate Developers), SME Loans, Capital Markets Loans (Loan Against Shares), Supply Chain Fice, Mid and Large Corporate Loans, and Infrastructure Fice 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.

Function Context

- As the lending arm of Aditya Birla Capital Ltd, Aditya Birla Fice Limited (ABCL) offers specialized lending and ficing solutions in the areas of Capital Markets, Corporate/ Trade Fice, Commercial Real Estate, Retail and Mortgages. Currently ranked within the top 10 NBFCs of India, ABCL has made significant progress and the Company s balance sheet at 000 Cr plus exceeds that of several midsized Banks and NBFCs
- Having focused traditionally on secured lending verticals and built a solid balance sheet on the same, ABCL has ventured into Business Instalment Loan and Doctor Loan loan (Unsecured Business) segment in order to effectively capitalize on its ficial base with carefully managed exposures in this higher yield segment
- The Unsecured Business loan Doctors Loan Business segment products line caters to funding to selfemployed professional and nonprofessionals who can borrow from ficial institution. They require funds to pay for their ficial needs via a suite of customized short and long tenured products, without any security/ collateral.

- Credit function is engaged in evaluating the creditworthiness of business loan applications by considering quantitative qualitative factors like the client credibility, earnings of an individual, repaying capacity, Company category and various checks to verify the credentials of the borrowers.

Job Context To conduct initial screening of BIL/DIL credit proposals with the required due diligence and ensure that all information required to take a credit decision is captured in the proposal.

- To ensure that all BIL/DIL proposals are compliant

📌 State Credit Manager (Mumbai)
🏢 Aditya Birla Insulators
📍 Mumbai