Basic Details: Fill the required information about business, unit, location, position, reports to position and date of updation of JD

Business

Unit

Aditya Birla Capital Ltd.

Location

Poornata Position Number of the job

Reports to: Poornata Position Number

Poornata Position Title of the job (30 characters max)

Area Credit Manager / Credit Manager – Secured

Reports to: Poornata Position Title

State Credit Manager – Secured

Function

Credit

Reports to: Function

Credit

Department

Credit

Reports to: Department

Credit

Designation of the Employee

Area Credit Manager / Credit Manager – Secured

Designation of the Manager

State Credit Manager – Secured

Date of writing/updation of JD

Sept 2025

Job Purpose:

Area Credit Manager / Credit Manager– Secured - To manage and oversee credit underwriting operations for the Secured Urban Loan vertical (STSL & MLAP) within the assigned area by leading a team of Credit Managers. The role is responsible for ensuring accurate and policy-compliant credit assessments, maintaining audit and regulatory compliance,



and supporting portfolio health through proactive risk management. The Area Credit Manager collaborates with collections and legal teams to address defaults, builds robust stakeholder relationships, and drives team performance through effective mentoring and process optimization.

Dimensions: Quantitative or qualitative parameters that are relevant for the job to provide a better understanding of the scope and scale of the job.

Business Workforce Number

(Max 254 Characters)

516

Direct Reportees

NA

Geography

PAN India

Other Quantitative and Important Parameters for the job: Budgets/ Volumes/No. of Products/Geography/ Markets/ Customers or any other parameter

Parameters

Measurement Unit

FY 24-25

FY 25-26

Actual

Proposed

Closing Book

Amt In Cr

4035(BL+DL)

6950 (BL+DL)

2017 ( STUL)

2100 ( STUL)

74 (SCF)

2000 (SCF)

No. of Customers

Count

50427( STUL)

52000 (STUL)

18340 (BL+DL)

31178 (BL+D

📌 Area Credit Manager (India)
🏢 Aditya Birla Capital
📍 India