1) Job Purpose:

- 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:

- 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 Important 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
- Tier1: 16
- Tier2: 13
- Tier3: 34
- Tier4: 32

Portfolio Maintece

- Early Mortality (012 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
- No of customers (FY 24 E)
- ATS(Lakhs) FY 24 E
- PBT (in Cr. FY 24 E)
- Span (Nos)
- Productivity (files per CM)

3) Job Context & Major Challenges:

Function Context:

1. Having focused traditionally on secured lending verticals and built a strong balance sheet on the same, ABFL has now ventured into Small Ticket Secured Lending (STSL) business segment in order to effectively capitalize on its ficial base with carefully managed exposures in this higher yield segment
2. Small Ticket Secured Lending (STSL) segment products line caters to funding medium to longterm working capital needs of small businesses and individuals, via a suite of customized medium and long tenured products which are primarily backed by collateral/security.
3. Risk function is engaged in evaluating the creditworthiness of business entity/individual applicants by considering the quantitative & qualitative factors like the client credibility,



size of the client business, earnings of an individual, capital adequacy, liquidity and management quality

Job Context:

1. To ensure institutionalize the approval process for STSL proposals and ensure its seamless adoption by engaging with the sales teams to receive adequate documentation/ information for review and analysis
2. To work towards continuous improvement of credit approval process in order to meet dynamic business and regulatory needs
3. To monitor key initiatives and MIS with the sales team and institute mechanisms for complete safety of funded amount and timely regularization of margin shortfall
4. To monitor team s Turnaround Time and ensure it is as per the defined SLAs.

Key Challenges:

Technical

The market is highly competitive with availability of solutions which provides data at a click of a second. We need to continuously explore bring technology upto the curve as the manual leg in underwriting on technology front is quite exhaustive.

Talent Retention

Retaining key talent within the team can be difficult, especially if employees are seeking more. Compensation Packages from Rival companies

Portfolio management in dynamic environment

Portfolio management in continuously changing external environment and competition strategy can be very difficult to manage.

FTR logins

- To ensure availability of data and information for exhaustive credit appraisals as each of the proposals has their respective structuring complexities as per the customer, product & regulatory requirements
- Ensuring faster TATs for approval process
- To ensure that credit and customer risk are mitigated while pending documentation is monitored and regularized
- Proactive monitoring and identification of risks in a agile and fast paced business context and regularization of margin shortfalls.

4) Key Result Areas:

Key Result Areas

Supporting Actions

- Credit

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 - Ahmedabad
🏢 Aditya Birla Insulators
📍 Ahmedabad