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
Organizational Context
Key Aspects:
- As the lending 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 10 NBFCs of India, ABFL has made significant progress and the Company’s balance sheet at INR 45,000 Cr plus exceeds that of several mid-sized Banks and NBFCs
- Having focused traditionally on big ticket secured lending verticals and built a solid balance sheet on the same, ABFL has now also ventured into Small Ticket Secured Lending (STSL) Business segment in order to effectively capitalize on its financial base with carefully managed exposures in this higher yield segment
- Small Ticket Secured Loan (STSL)



segment products line caters to funding medium to long term working capital needs of small businesses and individuals, via a suite of customized medium and long tenured products which are primarily backed by collaterals/security.
- Risk function is engaged in evaluating the creditworthiness of business entity/individual applicants by considering quantitative & qualitative factors like the client credibility, size of the client business, earnings of an individual, capital adequacy, liquidity and management quality

Job Context
Key Aspects:
- Portfolio Management –
- Business & Financial Management -
- Customer Focus -
- People/Team Management –
- Productivity Management & Improvement –
- Process & Quality Improvement -

Key Challenges
- 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.
- To build

📌 State Credit Manager (Ajmer)
🏢 Financial services
📍 Ajmer