1) Job Purpose:

Write the purpose for which the job exists (in 23 lines)

The purpose of this job is:

1. To oversee the credit underwriting function and review of credit proposals logged in for the region
2. To facilitate quick turnaround of credit lending proposals in close liaison with the local credit analysts and sales teams.
3. To undertake necessary steps for risk mitigation, when required, while ensuring adherence to legal documentation norms policies and highlight credit risks and mitigating actions to facilitate decision making by relevant approving authorities
4. To undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable.
5. To review and ensure documentation of the proposals and effectively monitor client creditworthiness from the pre sanction to post disbursement phase
6. To approve credit proposals within approving authority and recommend cases to NRM / Credit Committee for decision.

To guide, motivate and manage a team spread across different locations and serving different business segments.

2) 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.

Function Dept. Section Remarks

(As applicable)

1.

Manpower (Nos. )

A

Management

B

Staff

C

Worker

D

Contract

Total

2.

Other Relevant Parameters

(Capacity/ Volumes/ Budget)

A

Loan Approval Limit

B

Process/ SOP adherence

C

NPA%

3) 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 Ficial Services Group (ABFSG), Aditya Birla Fice Limited (ABFL) offers specialized lending and ficing solutions in the areas.

Being one of the most preferred asset classes in the lending space today lends this business the immense cha

📌 ABHFL-Area Credit Manager-Retail-Noida
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