FULLTIME
State Credit Manager
Aditya Birla Group
Not specified · onsite · Posted 11d ago
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Section · 01
About this role
Key ResponsibilitiesCredit Underwriting & Decisioning
- Lead credit underwriting for the portfolio across the state.
- Evaluate complex credit proposals based on financial, business, banking, and bureau assessments.
- Approve credit proposals within delegated authority and recommend higher-value cases as per approval matrix.
- Ensure adherence to internal credit policies, regulatory guidelines, and risk frameworks.
- Monitor portfolio health, delinquency trends, and early warning indicators.
- Drive initiatives to improve portfolio quality and minimize credit losses.
- Analyze default patterns and implement corrective actions.
- Ensure robust risk assessment and fraud prevention practices.
- Collaborate with Sales, Operations, Legal, Technical, and Credit teams to achieve business objectives.
- Balance growth with prudent risk management.
- Support product launches, policy implementation, and market expansion initiatives.
- Provide guidance on structuring credit proposals for viable business opportunities.
- Lead, mentor, and develop the state credit team.
- Monitor individual and team performance through defined KPIs.
- Conduct regular training on underwriting standards, policy updates, and risk assessment techniques.
- Build a high-performance, customer-focused credit team.
- Ensure consistent implementation of credit policies across branches.
- Recommend policy enhancements based on market feedback and portfolio analysis.
- Maintain compliance with audit, regulatory, and internal control requirements.
- Drive process improvements to enhance underwriting quality and turnaround time.
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Section · 02
Skills
Fraud prevention practicesBureau assessmentspolicy implementationProcess ImprovementsRisk AssessmentCredit Underwriting
Section · Company
About Aditya Birla Group
Aditya Birla Group
Metals & Mining
227.5k+
employees
1857
169 years old
Mumbai, Maharashtra
India
About
Aditya Birla Group is a Fortune 500 global conglomerate. The company's businesses have grown into global powerhouses in a wide range of sectors metals, textiles, carbon black, telecom and cement.
Industries
Metals & MiningFinancial ServicesBuilding MaterialRetailTelecomChemicals
Employee ratings
2,383 reviews
4.1/ 5
Culture
3.9
Career growth
3.5
Work-life
4.0
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