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:
Having focused traditionally on secured lending verticals and built a robust 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 (India)
🏢 Aditya Birla Insulators
📍 India