JobDescription-AreaCreditManager(RetailSecured)

Business:FinancialServices
Unit:AdityaBirlaCapitalLimited
Function:Credit
Department:RetailSecuredCredit(LoanAgainstProperty)

1)JobPurpose

ResponsibleforevaluatingandapprovingLoanAgainstProperty(LAP)proposalswithindelegatedauthoritywhileensuringadherencetocreditpolicy,regulatoryrequirements,andriskmanagementstandards.

Therolefocusesonmaintainingportfolioquality,supportingbusinessgrowththroughprudentunderwriting,managingstakeholderrelationships,anddrivingefficientcreditdecision-makingacrosstheassignedgeography.

2)Dimensions

OtherQuantitativeandImportantParameters

• Product:LoanAgainstProperty(LAP)
• CustomerSegment:Self-Employed,MSME,Professionals,TradersandSalariedCustomers
• Geography:AssignedState/Cluster/Branches
• ApprovalAuthority:AsperCreditAuthorizationMatrix
• PortfolioQuality:Delinquency,BounceRateandNPAManagement
• TurnaroundTime(TAT):AsperdefinedSLA
• Audit&Compliance:100%adherence
• Productivity:Asperbusinessplan
• StakeholdersManaged:Sales,Operations,Legal,Technical,RiskandCollectionsTeams

KeyPerformanceIndicators

• Monthlyloginandsanctionvolumes
• ApprovalTAT
• FirstTimeRight(FTR)proposals
• Portfolioqualityindicators
• Earlydelinquencyperformance
• GNPAandNNPAlevels
• Auditcompliancescore
• Productivityandapprovalratio
• Businesspartnersatisfaction

3)JobContext&MajorChallenges

FunctionContext

TheRetailSecuredBusinessprovidesLoanAgainstPropertysolutionstoself-employedcustomers,MSMEs,professionalsandsalariedindividualsforbusinessexpansion,workingcapital,debtconsolidationandpersonalfinancialrequirements.

TheCreditFunctionisresponsibleforassessingborrowerrepaymentcapacity,collateralquality,legalenforceability,financialstrengthandoverallcreditworthinesswhilemaintainingabalancebetweenbusinessgrowthandportfolioquality.

JobContext

• EvaluateandapproveLAPproposalsasperdefinedcreditpoliciesandguidelines.
• Assesscustomerincome,businessprofile,bankingbehaviourandrepaymentcapacity.
• Reviewlegal,technicalandvaluationreportsforcollateralproperties.
• Maintainportfolioqualitythroughprudentunderwritingandriskmonitoring.
• Supportbusinessgrowththroughtimelycreditdecisions.
• Collaboratewithsales,operations,legal,technicalandcollectionsteamsforseamlessexecution.

KeyChallenges

BalancingBusinessGrowthandPortfolioQuality

Supportingbusinessgrowthwhilemaintainingacceptablerisklevelsandportfolioperformance.

ComplexCustomerAssessment

Evaluatingself-employedandMSMEcustomerswithvariedbusinessmodelsandincomeprofiles.

PropertyRiskEvaluation

Assessinglegalownership,marketability,valuationadequacyandenforceabilityofcollateral.

TurnaroundTimeManagement

Ensuringtimelycreditdecisionswithoutcompromisingonunderwritingquality.

DynamicMarketEnvironment

Managingcreditrisksamidstchangingmarketconditions,competitionandcustomerbehaviour.

RegulatoryandComplianceRequirements

Ensuringadherencetointernalpolicies,auditrequirementsandregulatoryguidelines.

4)KeyResultAreas

1.CreditUnderwriting&ApprovalManagement

SupportingActions

• EvaluateLoanAgainstPropertyproposalsinlinewithapprovedcreditpolicies.
• Analyzecustomerfinancials,bankingtransactions,bureaureportsandrepaymentcapacity.
• Reviewlegal,technicalandvaluationreports.
• Assessbusiness,industryandcollateral-relatedrisks.
• Approveproposalswithindelegatedauthoritylimits.
• Recommendappropriateriskmitigantswhereverrequired.
• Ensurequalityandconsistencyincreditdecisions.

2.PortfolioQualityManagement

SupportingActions

• Monitorportfoliohealthacrossassignedlocations.
• Reviewdelinquencytrends,bounceratesandearlywarningindicators.
• Identifypotentialriskaccountsandinitiatecorrectiveactions.
• Coordinatewithcollectionsandbusinessteamstoimproveportfolioperformance.
• Supportportfolioreviewsandriskcontainmentinitiatives.

3.Compliance&ProcessGovernance

SupportingActions

• Ensureadherencetocreditpolicy,regulatoryguidelinesandoperationalprocesses.
• Maintainpropercreditdocumentationandapprovaltrails.
• Ensureclosureofauditobservationswithindefinedtimelines.
• Monitorpolicydeviationsandobtainappropriateapprovals.
• Driveprocessdisciplineandgovernancestandards.

4.BusinessPartnership&StakeholderManagement

SupportingActions

• Workcloselywithsalesteamstosupportbusinessobjectives.
• Guidesalesteamsonpolicyrequirementsanddocumentationstandards.
• Resolveproposal-relatedqueriesinatimelymanner.
• Conductregularinteractionsandtrainingsessionsforbusinessteams.
• ImproveproposalqualityandFirstTimeRightsubmissions.

5.CrossFunctionalCoordination

SupportingActions

• CollaboratewithOperations,Legal,Technical,RiskandCollectionsteams.
• Ensuretimelyprocessinganddisbursementofapprovedcases.
• Escalatecriticalissuesandriskstostakeholdersasrequired.
• Driveeffectivecommunicationacrossfunctions.

6.Reporting&MIS

SupportingActions

• Reviewproductivity,approvalratesandturnaroundtimes.
• Monitorportfolioqualityindicatorsandrisktrends.
• PrepareandpresentperiodicMISandportfolioreviewreports.
• Highlightconcernsandrecommendcorrectivemeasures.

7.TeamDevelopment&CapabilityBuilding

SupportingActions

• Supportdevelopmentofteammembersthroughcoachingandmentoring.
• Conductpolicyandprocesstrainingsessions.
• Sharemarketandportfolioinsightswithstakeholders.
• Promoteacultureofcontinuouslearningandaccountability.

8.ProcessImprovementInitiatives

SupportingActions

• Identifyopportunitiesforprocessenhancementandefficiencyimprovement.
• Supportautomationanddigitizationinitiatives.
• Participateinprojectsaimedatimprovingportfolioqualityandcustomerexperience.
• Contributetowardsproductivityenhancementandcostoptimization.

5)JobPurposeofDirectReports

CreditManager/CreditAnalyst

• Evaluateandprocessloanproposalsasperprescribedunderwritingguidelines.
• Conductdetailedfinancial,bankingandcollateralassessment.
• Ensurecompliancewithcreditpoliciesanddocumentationrequirements.
• Supportportfoliomonitoring,auditcomplianceandMISpreparation.
• Coordinatewithbusinessandsupportteamsforsmoothproposalprocessing.

6)Relationships

Internal

External

7)OrganizationalRelationships

StateCreditManager
â†
AreaCreditManager-RetailSecured
â†
CreditManager/CreditAnalyst

ReportingTo

StateCreditManager-RetailSecured

RoleType

IndividualContributorwithpotentialteammanagementresponsibilitiesbasedonbusinessrequirements.