Job Title

Credit Manager / Area Credit Manager - Supply Chain Finance

Reports To

State Credit Manager Urban & SCF

Location

Pune

Unit / Business

Aditya Birla Capital Limited

Function

Credit

Job Summary

To manage and evaluate credit risk for Supply Chain Finance proposals, ensuring sound credit decisions that support business growth while maintaining portfolio quality and compliance with internal and regulatory guidelines.

Key Result Areas

Credit Underwriting Management

- Evaluate creditworthiness of anchor corporates and their associated vendors/dealers.
- Analyze financial statements, bank statements, GST data, and other relevant documents.
- Conduct risk assessments and assign appropriate credit limits and tenors.
- Prepare detailed credit appraisal memos and present cases to credit committees/Senior Management.
- Ensure timely processing of credit proposals within defined TATs to support business efficiency and client satisfaction.
- Work closely with the collection and legal to take action against defaulting parties.
- Ensuring that the audit teams across like concurrent, PAR & external are responded on a timely basis.
- Reporting of Fraud identified if any to the FRMU team.
- Ensuring and maintaining FTR decisioning.

Process Improvements

- Exploring process changes on ongoing basis to improvise & redefine process

Portfolio Management

- Monitor portfolio performance

Job Context & Major Challenges

- Manual Processes: Without technology, underwriting processes may heavily rely on manual tasks, leading to inefficiencies, increased processing times, and a higher likelihood of errors.
- Limited Data Analysis:



Technology facilitates the analysis of large datasets for better risk assessment. Without it, underwriters may have limited access to data, hindering their ability to make informed decisions and identify emerging trends.
- Scalability Issues: Manual underwriting processes may struggle to scale with the growing volume of business, leading to bottlenecks, delays, and a potential compromise in the quality of underwriting decisions.
- Increased Operational Costs: Manual underwriting can be resource-intensive, requiring more staff and time. This can lead to higher operational costs and reduce overall efficiency and profitability of the underwriting process.
- Lack of Automation: Technology enables the automation of routine and repetitive tasks. Without it, underwriters may spend more time on administrative work, limiting their capacity to focus on complex risk assessments and strategic decision-making.
- Inability to Leverage Data Sources: Technology allows underwriters to access a variety of data sources for comprehensive risk analysis. The absence of technology limits the underwriting team's ability to tap into alternative data and make well-informed decisions.
- Reduced Competitiveness: In an industry where competitors leverage advanced technologies for underwriting, an organization without access to such tools may find it challenging to stay competitive, attract clients, and deliver productive services.

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.

📌 Area Credit Manager - SCF (Pune)
🏢 Aditya Birla Insulators
📍 Pune