Basic Details: Fill the required information about business, unit, location, position, reports to position and date of updation of JD
Business
Financial Services
Unit
Aditya Birla Capital Limited
Location
Ahmedabad
Poornata Position Number of the job
Reports to: Poornata Position Number
Poornata Position Title of the job
State Credit Head – Business Loan
Reports to: Poornata Position Title
Circle Credit Manager
Function
Credit
Reports to: Function
Department
RCMB
Reports to: Department
Date of writing/ Updation of JD
May 2026
Job Purpose: Write the purpose for which the job exists (in 2-3 lines)
Enhance file processing capabilities by implementing a robust credit strategy to minimize early delinquencies in regularly bouncing customers, closely monitoring behavior through tools like regional policies and a risk framework.
Achieve deeper market penetration in smaller regions by maintaining productive turnaround times, aligning growth vision with the overarching goal to reach a portfolio value of 2 lakh crore.
Contribute to ROA through resource optimization and reduced credit losses, ensuring strict adherence to compliance and regulatory frameworks, including DSG guidelines when creating functional layers.
Enabling technology and process improvement leading to optimization of efficiency and recuing manual process.
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
CM/ACM
25
SCH/CCH
2
LEAD
1
Contract employees
6
Total
34
Unit Workforce Number
NA
Function Workforce Number
NA
Department Workforce Number
NA
Other Quantitative and Important Parameters for the job: Budgets/ Volumes/No. of Products/Geography/ Markets/ Customers or any other parameter
Budget (Cr) FY 26 E closing book
Parameters
Measurement Unit
FY 22-23-A
FY 23-24-A
FY 24-25-P
Fy 26
Closing Book
Amt In Cr
40 ()
74 ()
700()
220
📌 State Credit Manager (India)
🏢 Aditya Birla Capital
📍 India
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