Area Credit Manager

Company Description Aditya Birla Capital Ltd is a diversified financial services company headquartered at One World Center, Mumbai, India. The organization offers a range of financial solutions and operates with a strong focus on professional excellence and customer-centricity. Aditya Birla Capital is committed to equal opportunity in employment and maintains a workplace free from discrimination and harassment. Diversity, Equity, and Inclusion (DEI) are embedded in its recruitment practices, ensuring candidates are evaluated fairly based on business needs, qualifications, skills, and experience. This inclusive culture supports growth and development for team members across the organization.

Role Description The Area Credit Manager is a full-time, on-site role based in Mumbai, responsible for overseeing credit operations and risk assessment across a designated area or portfolio. Day-to-day activities include evaluating credit proposals, analyzing financial information, and making recommendations in line with internal policies and regulatory guidelines. The role involves monitoring portfolio performance, identifying early warning signals, and implementing risk mitigation measures. The Area Credit Manager collaborates with business, operations, and collections teams to ensure sound credit decisions, maintain asset quality, and support sustainable business growth. This role also includes preparing reports, maintaining documentation, and contributing to continuous improvement of credit processes and frameworks.

Qualifications

• Candidates should possess strong skills in Credit Management and Credit to evaluate and structure credit proposals effectively.
• Candidates should possess strong skills in Credit Risk Management and Analytical Skills to assess risk, interpret financial data, and make informed decisions.
• Candidates should possess solid knowledge of Finance to understand financial statements, cash flows, and market dynamics related to lending.
• Relevant experience in banking, NBFCs, or financial services in a credit or risk role is preferred.
• Graduate or postgraduate degree in Finance, Commerce, Business, Economics, or a related field is beneficial.
• Strong communication, stakeholder management, and decision-making abilities are required.
• Proficiency in MS Excel and other analytical tools, along with familiarity with credit policy frameworks and regulatory norms, is an advantage.