Area Credit Manager - Rajkot - Unsecured

Designation: Area Manager

Location: India Gujarat Ring Road, Rajkot

Organization: Financial Services

Job Description:

usiness

Financial Services

Unit

Aditya Birla Capital Limited

Location

Poornata Position Number of the job

Reports to: Poornata Position Number

Poornata Position Title of the job

Area Credit Manager – STSL

Reports to: Poornata Position Title

Circle Credit Head

Function

Credit

Reports to: Function

Credit

Department

Retail

Reports to: Department

Date of writing/ Updation of JD

6th March 2026

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

Responsible for ensuring sound understanding of credit policy across all relevant levels, in the team.

Maintaining Portfolio quality.

Assessing potential customers' creditworthiness.

Achieving Monthly Audit Targets

Managing a team of Credit Managers and mentor the team to achieve the business objectives

Collaborating with various stake holder with an aim of achieving overall business targets.

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

50 workforces including both on role (34) and off role staff (16)

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 24 E closing book

2900

Volumes (no of files- logins) FY 24E

15000

No of products

1 (STSL)

Geographies

No of locations

95

Tier-1

16

Tier-2

13

Tier-3

34

Tier-4

32

Portfolio Maintenance

Early Mortality (0-12 MOB) Cheque Bouncing not more than 9.00%

NPA% not more than 2.00%

GNPA (90 days for Secured Products)

TAT

As per SLA

Approval Rates

55%

No of customers (FY 24 E)

8500

ATS(Lakhs) – FY 24 E

35

PBT (in Cr. FY 24 E)

70

Span (Nos)

4

Productivity (files per CM)

22

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

Function Context:

Having focused traditionally on secured lending verticals and built a strong balance sheet on the same, ABFL has now ventured into Small Ticket Secured Lending (STSL) business segment in order to effectively capitalize on its financial base with carefully managed exposures in this higher yield segment

Small Ticket Secured Lending (STSL) segment products line caters to funding medium to long-term working capital needs of small businesses and individuals, via a suite of customized medium and long tenured products which are primarily backed by collateral/security.

Risk function is engaged in evaluating the creditworthiness of business entity/individual applicants by considering the quantitative & qualitative factors like the client credibility, size of the client business, earnings of an individual, capital adequacy, liquidity and management quality

Job Context:

To ensure institutionalize the approval process for STSL proposals and ensure its seamless adoption by engaging with the sales teams to receive adequate documentation/ information for review and analysis

To work towards continuous improvement of credit approval process in order to meet dynamic business and regulatory needs

To monitor key initiatives and MIS with the sales team and institute mechanisms for complete safety of financed amount and timely regularization of margin shortfall

To monitor team’s Turnaround Time and ensure it is as per the defined SLAs.

Key Challenges:

Technical

The market is highly competitive with availability of solutions which provides data at a click of a second. We need to continuously explore bring technology upto the curve as the manual leg in underwriting on technology front is quite exhaustive.

Talent Retention

Retaining key talent within the team can be difficult, especially if employees are seeking more. Compensation Packages from Rival companies

Portfolio management in dynamic environment

Portfolio management in continuously changing external environment and competition strategy can be very difficult to manage.

FTR logins

To ensure availability of data and information for exhaustive credit appraisals as each of the proposals has their respective structuring complexities as per the customer, product & regulatory requirements

Ensuring faster TATs for approval process

To ensure that credit and customer risk are mitigated while pending documentation is monitored and regularized

Proactive monitoring and identification of risks in a dynamic and fast paced business context and regularization of margin shortfalls.

4) Key Result Areas: Write the key results expected from the job and the supporting actions for each of these key result areas (For a majority of jobs typically there could be 4- 7 key result areas)

Key Result Areas

Supporting Actions

Credit Underwriting Management

Undertake analysis of the credit proposal based on pre- determined criteria and analyze market information, current macroeconomic scenario, current portfolio concentration, etc.

Make decision proposals within delegated authority

Evaluate new credit proposals / review existing credit exposures with a view to bring out the industry, business, financial, management and facility structure risk.

Highlight the other credit risks and mitigation actions to take decision / facilitate the approving authority to take decision on the credit proposal.

Identify risks and suggest measures to mitigate risks to ensure workability of the loan proposals

Ensure prompt resolution/ explanation of queries raised by sanctioning authorities

Recommend delegation authority to RCMs/ACMs/CMs to ensure faster TAT for parameterized proposals.

Work closely with the collection and legal to take action against defaulting parties

Portfolio Management

To monitor the STSL business portfolio performance by continuous analysis of fundamentals, review of the ratings, analysis of the covenant and evaluation of the industry performance in that sector

Review the covenant of loan proposals at frequent intervals and undertake action for serious deviations

Protect from potential loss on the credit portfolio by detecting early warning signals of deteriorating risks and advising these to the Relationship Managers, RSMs, NSMs and Senior Management.

Formulate strategies to reduce exposures where the credit risk has enhanced including complete recovery before the credit deteriorates to non-performing category

Process Improvements

Provide inputs and suggest amendments for various lending norms like Risk Matrix, Interest Rate Policy, Credit Authorization Matrix, Risk Universe, Processes keeping the current regulatory and compliance environment in mind

Undertake improvements in approval notes and other processes to meet dynamic market environment and needs of new customer segments

Deploy effective processes and mechanisms to ensure high quality TATs for validating lending proposals & share the same with all concerned stakeholders

Business Growth / Cross Functional Coordination / Stakeholder Management

Support sales team in maintaining partner relationships with DSAs and Channel Partners and regular visits and trainings to meet business results

Communicate the expected credit standards by engaging with the channel partners, sales teams and other distributors in understanding the proposals submitted and extracting the relevant supporting information and Co-coordinating for smooth disbursement.

Discussing through the door login trend and educating the business team on wastages and corrective actions.

Deliver, Stay and growth

Deliver - Ensure that business and portfolio related targets are met within given timeframe

Stay – Ensure controlled attrition by way of continuous training and development, thus resulting into internal growth to team members

Growth - Understanding of the requirement of workforce to ensure that the right environment is created for people to grow.

Cross Functional Coordination

Communicate the expected credit standards by engaging with the channel partners, sales teams and other distributors in understanding the proposals submitted and extracting the relevant supporting information

Oversee communication cascades to the sales teams on the broad parameters for validating lending proposals, provide regular trainings to RMs for the same

Ensure document execution from RMs and the files are up to date

Reporting, Review & MIS

Regularly Review & Monitor the Portfolio performance, OTC & PDD movement and Compliance related matters

Regularly Review & Monitor Vendor Management and closure of Audit queries

Review the delegation of authority exercised by RCMs

Team Management

Provide the team with best-in-class knowledge on selection norms, new ways of proposal analysis and concepts

Ensure that the team stays abreast with all the latest developments in the secured lending space

Nominate teams for product, behavioral & negotiation trainings and work on self-development initiatives

Credit Projects

Taking up projects with an aim of improving processes / portfolio hygiene from time to time with overall objective of improving ROA and / or cost control.

5) Job Purpose of Direct Reports: Describe the job purpose of the direct report/s to the job (in 2-3 lines for each report)

Regional / Area Credit Manager - STSL:

Set up and lead the team of Regional / Area Credit managers for managing day to day credit approvals under STSL Loans Vertical, drive towards assessing credit worthiness of the borrower by using data points available along with adherence to the defined credit policy checks.

Ensure audit compliance like concurrent, PAR & external, regulatory procedures, and governance are responded across locations on time.

Work closely with the collection and legal to act against defaulting parties.

Develop strong internal and external relationship, portfolio performance.

Leading, mentoring and monitoring the performance of the team members to ensure efficiency in processes.

6) Relationships: Describe the nature and purpose of most important contacts or relationship (except superior/team members) with individuals, departments, organizations inside and outside of the organization, that job is required to interact with in order to deliver the job objectives

Relationship Type

Frequency

Nature

Internal

Zonal / Regional Sales Manager

Sales team

Risk team

Operations team

Other functions

NSM/ Business Head

Daily

Daily/ weekly

Daily

Monthly

Need based

Need Based

Business MIS, proposal reviews, new initiatives and branch updates

Business MIS, proposal discussions, NPA reviews, updates on initiatives

Proposal approvals, interest rate approval, providing market intelligence, MIS on deviations in client accounts

Client servicing issues, pricing matrix

Business discussions for smooth operations

Portfolio reviews and credit approval

External

Existing and Potential Customers

Channel Partners/ DSAs

Legal / FI Vendors

Fortnightly

Need Based

Monthly

Customer relationship management (CRM) & understanding the market pulse

CRM, commission updates & understanding the market pulse of new initiatives etc.

To asses the quality and TAT and provide course corrections.