usiness
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
6th 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: 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




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 Key Parameters for the job: Budgets/ Volumes/No. of Products/Geography/ Markets/ Customers or any other parameter

Budget (Cr) FY 24 E closing book
2900
Volumes (no of files- logins) FY 24E
15000
No of products
1 (STSL)
Geographies
No of locations
95
Tier-1
16
Tier-2
13
Tier-3
34
Tier-4
32

Portfolio Maintenance
Early Mortality (0-12 MOB) Cheque Bouncing not more than 9.00%
NPA% not more than 2.00%
GNPA (90 days for Secured Products)
TAT
As per SLA
Approval Rates
55%
No of customers (FY 24 E)
8500
ATS(Lakhs) – FY 24 E
35
PBT (in Cr. FY 24 E)
70
Span (Nos)
4
Productivity (files per CM)
22

3) 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

📌 Area Credit Manager (Ahmedabad)
🏢 Financial services
📍 Ahmedabad