Designation: Location: India Delhi 3rd floor, Hansalaya Building

Organization: Financial Services 1) Job Purpose : Write the purpose for which the job exists (in 2-3 lines) **:

- The purpose of this job is:

- To oversee the credit underwriting function and review of credit proposals logged in for the region

- To facilitate quick turnaround of credit lending proposals in close liaison with the local credit analysts and sales teams.

- To undertake necessary steps for risk mitigation, when required, while ensuring adherence to legal & documentation norms & policies and highlight credit risks and mitigating actions to facilitate decision making by relevant approving authorities

- To undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable.

- To review and ensure documentation of the proposals and effectively monitor client creditworthiness from the pre sanction to post disbursement phase

- To approve credit proposals within approving authority and recommend cases to NRM / Credit Committee for decision.

To guide, motivate and manage a team spread across different locations and serving different business segments.

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- 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._

- Function : Dept. : Section : Remarks : **-

- (As applicable)**

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- 1.**

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- Manpower (Nos.)**

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- A**

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- Management**

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- B**

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- Staff**

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- C**

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- Worker**

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- D**

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- Contract**

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- Total**

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- Other Relevant Parameters**

(Capacity/ Volumes/ Budget)

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- A**

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- Loan Approval Limit**

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- B**

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- Process/ SOP adherence**

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- C**

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- NPA%**

- 3)



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 : **-

- Organizational Context**

Key Aspects: As the lending arm of Aditya Birla Financial Services Group (ABFSG), Aditya Birla Finance Limited (ABFL) offers specialized lending and financing solutions in the areas.

- Being one of the most preferred asset classes in the lending space today lends this business the immense challenge of competing with all FIs / banks in a highly price sensitive target segment.
- of Capital Markets, Corporate/ Trade Finance, Commercial Real Estate and Mortgages. Currently ranked within the top 25 NBFCs of India, ABFL has made significant progress and the Company’s balance sheet at INR 15,000 Cr plus exceeds that of several mid-sized Banks and NBFCs
- Having focused traditionally on secured lending verticals and built a solid balance sheet on the same, ABFL has ventured into Unsecured Business segment in order to effectively capitalize on its financial base with carefully managed exposures in this higher yield segment
- The Unsecured Business segment products line caters to funding short term and medium term working capital needs of small businesses (BIL) and individuals (PIL), via a suite of customized short and long tenured products, without any security/ collateral.

Job Context

Key Aspects:





- To ensure smooth and institutionalized flow of the BIL & PIL proposals at all the branches across their region
- To manage is responsible for analyzing the credit proposal with the required due diligence and to ensure that all information required to take a credit decision is captured in the proposal.
- To maintain stipulated TAT in credit appraisal process and co-ordinate with sales team for faster decisions to improvise TATs of the overall sanction process.
- To manage a team of Credit Analysts who will carry out the due-diligence, analysis and recommend credit proposals for approval.

Key Challenges

- To ensure timely availability of accurate data and information for exhaustive credit appraisals as each proposal has its respective structuring complexities as per the customer, product & regulatory requirements.
- To ensure efficient TATs in highly competitive & dynamic market conditions
- To ensure credit risk and customer risk are mitigated at all times
- To facilitate seamless cross functional coordination for timely approval of credit proposals.
- To ensure sticky accounts as well as pending documents are monitored and regularized on a regular basis
- To ensure self and team are constantly updated on economic/ industry/ sectoral knowledge and trends

Enabling Skill Sets & Qualifications

- Critical skill required to meet this role are a strong analytical acumen, evaluation skills, detail orientation and decision making skills, initiative & target orientation, market intelligence, team management

The education & experience required to meet this profile is Chartered Accountant or MBA with minimum 4-7yrs of experience in credit and risk functions of Banks/NBFCs.

**- 4) Key Result Areas: Write the key results expecte

📌 Area Credit Manager-prime-delhi
🏢 Aditya Birla Group
📍 Delhi