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)
State Credit Manager - Secured
Reports to: Poornata Position Title
Circle Credit Manager - Secured
Function
Credit
Reports to: Function
Credit
Department
Credit
Reports to: Department
Credit
Designation of the Employee
State Credit Manager - Secured
Designation of the Manager
Circle Credit Manager - Secured
Date of writing/updation of JD
Sept 2025

1) Job Purpose: Write the purpose for which the job exists (in 2-3 lines) (Max 1325 Characters)
State Credit Manager – Secured - To lead and manage the credit underwriting operations for the Secured Urban Loan vertical (STSL & MLAP) across the state by establishing and guiding a team of Credit Managers and Area Credit Managers.



The role is responsible for ensuring sound credit decisions through thorough assessment of borrower profiles, adherence to credit policies, and effective risk mitigation. The State Credit Manager plays a pivotal role in maintaining portfolio quality, ensuring audit and regulatory compliance, and collaborating with collections and legal teams to address delinquencies. Additionally, the role focuses on building solid stakeholder relationships and driving team performance through continuous mentoring and process efficiency.

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.
Business Workforce Number
(Max 254 Characters)
516

Direct Reportees
10 - 15

Geography

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 i

📌 State Credit Manager (Jodhpur)
🏢 Financial services
📍 Jodhpur