Job Description – Area Credit Manager (Retail Secured)
Business: Financial Services
Unit: Aditya Birla Capital Limited
Function: Credit
Department: Retail Secured Credit (Loan Against Property)
Job Purpose Responsible for evaluating and approving Loan Against Property (LAP) proposals within delegated authority while ensuring adherence to credit policy, regulatory requirements, and risk management standards.
The role focuses on maintaining portfolio quality, supporting business growth through prudent underwriting, managing stakeholder relationships, and driving productive credit decision-making across the assigned geography. Key Performance Indicators 3) Job Context & Major Challenges Function Context
Dimensions Other Quantitative and Important Parameters
Product: Loan Against Property (LAP)
Customer Segment: Self-Employed, MSME, Professionals, Traders and Salaried Customers
Geography: Assigned State/Cluster/Branches
Approval Authority: As per Credit Authorization Matrix
Portfolio Quality: Delinquency, Bounce Rate and NPA Management
Turnaround Time (TAT):
As per defined SLA
Audit & Compliance: 100% adherence
Productivity: As per business plan
Stakeholders Managed: Sales, Operations, Legal, Technical, Risk and Collections Teams
Monthly login and sanction volumes
Approval TAT
First Time Right (FTR) proposals
Portfolio quality indicators
Early delinquency performance
GNPA and NNPA levels
Audit compliance score
Productivity and approval ratio
Business partner satisfaction
The Retail Secured Business provides Loan Against Property solutions to self-employed customers, MSMEs, professionals and salaried individuals for business expansion, working capital, debt consolidation and personal financial requirements.
The Credit Function is responsible for assessing borrower repayment capacity, collateral quality, legal enforceability, financial strength and overall creditworthiness while maintaining a balance between business growth and portfolio quality.
Job
📌 Area Credit Manager (India)
🏢 Aditya Birla Capital
📍 India
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