Job Summary

The role leads Credit Risk Management for SME (Institutional) and Construction Finance, ensuring a robust, sustainable loan portfolio while supporting business growth within a robust risk framework. It involves in-depth appraisal and structuring of proposals, approving/recommending transactions within authority, and monitoring portfolio performance with stress testing and early warning identification. The role partners with the Business Head to set strategic focus on products, segments, and markets, ensures compliance with internal policies, regulatory norms, and legal requirements, and provides regular portfolio insights to senior leadership (CRO, CCRO, CEO).

Dimensions

The function caters to diverse client profile from different geographies like MMR, Pune, Bangalore, Chennai, Hyderabad, NCR, Kolkata, Ahmedabad, etc. and understanding of different product features, market practices, and different credit assessment methodologies. This role handles book size across geographies with a team. Given the growth potential, book is expected to double in 2 years.

Business Workforce Number 7186

Unit Workforce Number 7186

Function Workforce Number 115

Department Workforce Number 22

Other Quantitative and Important Parameters for the job: Budgets/ Volumes/No. of Products/Geography/ Markets/ Customers or any other parameter

Credit SME & CF

Job Context & Major Challenges

Organizational Context

Aditya Birla Capital Limited (NBFC) is among the Top 5 diversified non-banking financial services company in India based on AUM. ABC - NBFC offers customized solutions in areas of personal finance, SME finance, SME finance, corporate finance, wealth management, debt capital markets and loan syndication. For the FY ended , ABC NBFC has a book size of Crores and net PAT of Crores with 6939 employees and 449 branches. During the last 3 years,



the AUM & PAT of ABC NBFC has grown at a CAGR of more than 31%, outpacing the growth rates of Top 7 Diversified NBFCs. As a result, ABC NBFC has moved 3 ranks to become 5th largest diversified NBFC in the last 3 years.

The SME Finance function at ABCL provides customized lending solutions to self-employed individuals, professionals, and enterprises through products like Loan Against Property, Lease Rental Discounting, Commercial Purchase, and Structured/Mezzanine Debt. It combines in-depth assessment of client profiles, financials, cash flows, and collateral quality to structure long-term exposures responsibly. With a focus on building a high-quality, profitable portfolio, SME contributes significantly to ABCL s overall book size and profitability while competing in a highly price-sensitive market.

Job Context

The Role caters to diverse financing needs for 1) larger SMEs (non-retail) and 2) Real Estate developers.

1) SME - The business caters to Small and Medium Enterprises with turnover of less than cr and ticket size of the transactions between cr to -40 cr (average ticket size of -20 cr). The book is presently at cr across 14 cities with 700 clients, providing customized solutions to growing SMEs across industries and help them meet their working capital and growth finance needs. This requires in depth understanding of the borrower and the local market dynamics. Apart from complex underwriting and structuring the transaction within tight timelines ; understanding of various industries is required for underwriting. The challenge here is to have sustainable growth and not compromise on the asset quality.

Disclaimer : This job posting has been aggregated from external source. Role details, content, and availability are subject to change. Applicants are advised to confirm the latest information directly on the company website before applying.

📌 National Credit Head - CF (Mumbai)
🏢 Aditya Birla Insulators
📍 Mumbai