State Credit Manager - Ahmedabad

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 efficient 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()

2200 ()

Volumes (no of files- logins) FY 24E

Files

No of files

5000()

No of products

Geographies

No of locations

200+

portfolio maintenance

TBD

TBD

TBD

TAT

As per SLA

Approval Rates

45%

no of customers ( FY 24 E)

FY 22-23-A

FY 23-24-A

FY 24-25-P

FY 25-26 - P

FY 26-27 - P

40 ()

74 ()

800

2200

5000

ATS(Lakhs) – FY 24 E

Rs50L

PBT ( Cr FY 24 E)

FY 22-23-A

FY 23-24-A

FY 24-25-P

FY 25-26 - P

FY 26-27 - P

044()

9.28()

29.61()

Not Available being recently started business ()

Not Available being recently started business ()

Span ( Nos)

8

• 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
  
  

Manual Processes

Without technology, underwriting processes may heavily rely on manual tasks, leading to inefficiencies, increased processing times, and a higher likelihood of errors.

Limited Data Analysis

Technology facilitates the analysis of large datasets for better risk assessment. Without it, underwriters may have limited access to data, hindering their ability to make informed decisions and identify emerging trends.

Scalability Issues

Manual underwriting processes may struggle to scale with the growing volume of business, leading to bottlenecks, delays, and a potential compromise in the quality of underwriting decisions.

Increased Operational Costs

Manual underwriting can be resource-intensive, requiring more staff and time. This can lead to higher operational costs and reduce the overall efficiency and profitability of the underwriting process.

Lack of Automation

Technology enables the automation of routine and repetitive tasks. Without it, underwriters may spend more time on administrative work, limiting their capacity to focus on complex risk assessments and strategic decision-making.

Inability to Leverage Data Sources

Technology allows underwriters to access a variety of data sources for comprehensive risk analysis. The absence of technology limits the underwriting team's ability to tap into alternative data and make well-informed decisions.

Reduced Competitiveness

In an industry where competitors leverage advanced technologies for underwriting, an organization without access to such tools may find it challenging to stay competitive, attract clients, and deliver efficient services.

• 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

• Training and development of the resources to implement defined risk framework , evaluation of the proposals, adherence to policy programs defined
• Analyzing the impact of the decisions in the context of the external environment, internal portfolio triggers and bringing in the required changes to curtain down the risk in the portfolio.
• Driving the portfolio control strategies in the different markets as per the performance of the market.
• Keeping turned around time
• Assessment of RCSA, timely submission of the responses along with the samples.
• Responding to compliance team on adverse observation for the customers
• Ensuring that the audit teams across like concurrent, PAR & external are responded on timely basis.
• Work closely with the collection and legal to take action against defaulting parties
  
  

Process Improvements

• Exploring process changes on ongoing basis to improvise & redefine process
  
  

Portfolio Management

• Monitoring portfolio health through the tools like assessment of the segments through industry, sub-industry performance
• Maintaining credit manager dashboard which covers various aspects like stage wise data, bounce trend for CM/location/region/zone etc
• Implementation of simplified strategies like touch base the customers with frequent bouncing or visiting the customers wherever required.
  
  

Business Growth / Cross Functional Coordination / Stakeholder Management

• Support sales team in maintaining partner relationships with DSAs and Channel Partners and regular visits and training 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.
• Be a part of formulation of business strategy and expansion, contribute through credit and risk strategies.
  
  

Leadership / Soft skills /Team Management

• Devolvement of required skillset amongst the team members through continuous training and interactions.
• Ensuring that the framework defined is followed and executed across layer to ensure that effective implementation of the policies.
• Ensuring that the DSG framework is followed while creating layers in the function.
• Creating and nurturing talent to ensure that the credit hierarchy is not dependent on only few resources.
  
  

Deliver, Stay and growth

• Ensuring that the respective layers are created & adequate talent is identified and grown within the system.
• Understanding of the requirement of workforce to ensure that the right environment is created for people to grow.
• Job Purpose of Direct Reports: Describe the job purpose of the direct report/s to the job (in 2-3 lines for each report)
  
  

Supply Chain Finance

• program & ensure that the proposals are compliant with all the norms of the Credit policy, RBI and other statutory regulations.
• Responsible for regular monitoring of the credit portfolio and early warning triggers, to ensure management of asset quality.
• To ensure that the process are designed well within framework to enable the fulfillment of regulatory framework.
• Reviewing of anchor companies / anchor programs (vendor /dealer finance anchor programs) for Supply Chain Finance vertical sourced by Product Team
• Recommend quality anchor programs thereby ensuring good quality portfolio and minimal level of NPAs
  
  

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

• 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

National Sales Manager

Sales team

Risk team

Operations team

Other Functions

CEO/ Group CEO

Risk Management Committee

Daily

Daily/ weekly

Daily

Monthly

Need based

Need Based

Quarterly

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

Portfolio reviews and portfolio development strategies

Aligning self with the strategies to the organization for implementation of the vision.

Aligning self with the strategies to the organization for implementation of the vision.

External

Existing and Potential Customers

Channel Partners/ DSAs

Fortnightly

Need based

Customer relationship management (CRM) & understanding the market pulse

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

• Organizational Relationships: Provide the structure for a level above and below the position for which this job description is written. Use position titles in the structured and indicate all the reports of the position.
  
  

SIGN-OFF: Provide the name of the Manager and the jobholder. Signature needed for the hard copy of the JD. Hard copy to be maintained in the organizational record.

Job Holder

Reports to – Manager

Name

Date of Entry / Approval