Designation: NA

Location: India Karnataka 2 floor, Kamashi Hosp, Mysore

Organization: Financial Services

:

Basic Details: Fill the required information about business, unit, location, position, reports to position and date of updation of JD

Business

Financial Service

Unit

ABFL

Location

All location

Poornata Position Number of the job

Reports to: Poornata Position Number

Poornata Position Title of the job (30 characters max)

Senior Credit Manager

Reports to: Poornata Position Title

Zonal Credit Head

Function

Risk Management & Compliance

Reports to: Function

Risk Management & Compliance

Department

Credit - EB

Reports to: Department

Credit - EB

Designation of the Employee

Senior Credit Manager

Designation of the Manager

Zonal Credit Head

Date of writing/updation of JD

1-Dec-21

- Job Purpose:

Write the purpose for which the job exists (in 2-3 lines) (Max 1325 Characters)

To manage all activities pertaining to the sanction life cycle of all borrower accounts in the CFG business for all short and medium term products. The key responsibilities include thorough underwriting of credit proposals with the required due diligence; co-ordination with the sales team for resolution of risk concerns, maintaining Turn Around Time (TAT); interfacing with the Business team & Credit Committee for faster decisions; Assist Regional Credit Manager and Risk Head for business function, current product development. To undertake analysis of the credit proposal based on pre determined criteria and analysis of market information, current macroeconomic scenario, current portfolio concentration, etc.

- 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

(Max 254 Characters)

Unit Workforce Number

(Max 254 Characters)

Function Workforce Number

(Max 254 Characters)

Department Workforce Number

(Max 254 Characters)

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

- 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 ((Max 3975 Characters)

As the debt arm of Aditya Birla Financial Services Group (ABFSG), Aditya Birla Finance Limited (ABFL) offers specialized lending and financing solutions in the areas of Capital Markets, Corporate/ Trade Finance, Commercial Real Estate and Mortgages. Currently ranked within the top 25 NBFCs of India, we have made significant progress and our balance sheet at INR 15,000 Cr plus exceed that of several mid-sized Banks and NBFCs.

Underwrite Credit

Proposal, Manage High Value Structured Deal, Achieve high turn-around time to maintain competitiveness,



Renewal / Enhancement of existing facility. To manage all activities pertaining to the sanction life cycle of all borrower accounts in the CFG business for all short and medium term products. The key responsibilities include thorough underwriting of credit proposals with the required due diligence; co-ordination with the sales team for resolution of risk concerns, maintaining Turn Around Time (TAT); interfacing with the Business team & Credit Committee for faster decisions; Assist Regional Credit Manager and Risk Head for business function, new product development. To undertake analysis of the credit proposal based on pre determined criteria and analysis of market information, current macroeconomic scenario, current portfolio concentration, etc.

- Key Result Areas:

Write the key results expected from the job and the supporting actions for each of these key result areas (For a majority of jobs typically there could be 4- 7 key result areas)- Maximum 10 KRAs can be updated

Key Result Areas (Max 1325 Characters)

Supporting Actions (Max 1325 Characters)

Underwrite Credit Proposal

Selection - Based on internally defined criterion, analysis of market information, current macroeconomic scenario & portfolio concentration, etc ? Assessment - Management Risk, Industry Risk, Business Risk and Financial Risk ? Structuring – to meet norms and generate internal comfort on lending mechanism. Structure risk mitigants to ensure that the credit recommended is within the articulated credit risk appetite of the company; ? Compliance – Regulatory, Credit Policy and product program ?

Reference

Checks - Banks / Other lenders / Trade / Competitors / suppliers / customers ? Visit – meeting with promoter and visit of business premises ? Presentation - Capture the strength and weakness with identified risks and proposed mitigants

Manage High Value Structured Deal

? Meeting with promoter of borrower ? Understand the purpose of fund requirement ? Structuring the deal to fit within regulatory requirement ? Structuring the repayment in line with cash flow

- Define the covenants to close monitoring

Achieve high turn-around time to maintain competitiveness

Effort is made to crash timelines with-out compromise to credit quality by: ? To approve cases as per the approving authority matrix as defined in the policy within defined TAT to ensure customer satisfaction ? Personal discussion with customers to understand business, cash flows, purpose of loan, etc and resolution of credit concerns.



? Timely submission of proposals ? Personal Coordination with proposers and approving authorities to ensure timely decision-making

Renewal / Enhancement of existing facility

Timely Intimation - Advance intimation to Business team for proposals due for review and renewals.

? Checking Account Conduct & latest updates to ensure the fulfillment of the conditions / covenants stipulated at the time of sanction

Manage asset quality

On-going surveillance of key concern accounts

? Covenants compliance and timely escalation

? Quarterly / Half yearly review of the borrowers performance

? Tracking macro developments affecting portfolio performance and early warning signal

? To work closely with the business team for recovery and closure of early delinquencies.

MIS

Compilation – Co-ordination, Collection and sanity checking of information desired for preparation of MIS reports for portfolio monitoring.

? Timely preparation & Effective presentation of MIS reports in precise manner

Team Management

Mentoring colleagues and subordinates ? Keeping the team motivated ? Cross functional co-ordination in organizational initiatives ? Impart training to the team members on policy and process changes

Business Support

Help business team to understand the strength & weakness of the proposal

? Timely responding to the requests of Business team

? Support for development of new products and related parameters / documents

? Conduct training and workshops for the sales line.

Leading and Executing Specific Projects

Projects to improve process delays

? Develop and promote industry specialization.

- Job Purpose of Direct Reports:

Describe the job purpose of the direct report/s to the job (in 2-3 lines for each report)

NA

- Relationships:

Describe the nature and purpose of most important contacts or relationship (except superior/team members) with individuals, departments, organizations inside and outside of the organization, that job is required to interact with in order to deliver the job objectives

Relationship Type (Max 80 Characters)

Frequency

Nature (Max 1325 Characters)

Internal

- Sales team

- Risk dept

- Operations dept

- Daily/ weekly
- Daily

Daily

- Sales support, branch coordination, document collection etc
- Proposal approvals, interest rate approval, getting market intelligence

Client servicing issues, pledge unpledged details, pricing matrix

External

NA

- Organizational Relationships:

Provide the structure for a level above and below the position for which this is written. Use position titles in the structured and indicate all the reports of the position.

SIGN-OFF: Provide the name of the Manager and the jobholder. Signature needed for the hard copy of the JD. Hard copy to be maintained in the organizational record.

Job Holder

Reports to – Manager

Name

Signature (needed for the hard copy)

📌 Technical Manager (Karnataka)
🏢 Aditya Birla Group
📍 Karnataka