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.

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: 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 Significant 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: 55%
- No of customers (FY 24 E): 8500
- ATS(Lakhs) FY 24 E: 35
- PBT (in Cr. FY 24 E): 70
- Span (Nos): 4
- Productivity (files per CM): 22

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

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

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📌 Area Credit Manager (Ahmedabad)
🏢 Aditya Birla Insulators
📍 Ahmedabad