Area Credit Manager - Kishangarh

Overview

The Area Credit Manager - Secured Loans role at Aditya Birla Capital involves overseeing credit underwriting activities for Secured Urban Loan products, particularly Small Ticket Secured Lending (STSL) and Micro Loan Against Property (MLAP), across the assigned region. This position leads a team of Credit Managers to ensure credit assessments adhere strictly to policy, compliance norms, and audit standards while actively maintaining portfolio quality through prudent risk management.

Company and Business Background

Aditya Birla Capital Limited (ABCL) stands as a nationally significant NBFC with 'AAA' credit ratings from multiple agencies, operating over 450 branches pan-India with a ₹1.2 lakh crore lending book. It offers diverse financial products across retail, MSME, and corporate segments, including secured and unsecured loans, wealth management, and specialized financing solutions.

Job Context and Challenges

The credit function is central to responsible lending, using advanced technology and data analytics for optimal credit decision-making across a broad geographical footprint. Challenges include staying competitive in technology adoption, retaining skilled talent, managing portfolio quality in a dynamic market, ensuring robust data availability for credit appraisals, expediting approval turnaround times, and enforcing margin regularizations.

Key Responsibilities

• Execute accurate and timely credit decisions aligned with company policies across branches.
• Provide support to branch credit officers in proposal evaluation and expedite approval processes.
• Coordinate with audit, compliance, collections, and legal teams to address irregularities and defaults.
• Identify and implement process improvements to enhance efficiency and reduce manual interventions, including adoption of digital tools.
• Monitor portfolio performance using MIS dashboards; take corrective measures for high-risk exposures.
• Collaborate with sales and channel partners to help meet disbursement goals while ensuring credit operation smoothness.
• Mentor and train branch credit personnel to reinforce policy adherence and underwriting quality.

Performance Metrics

• Manage portfolios totaling several thousand crores across various loan products with targeted growth.
• Maintain credit cost within limits (e.g., ~1.6-4.2% depending on product), and keep GNPA low (~1-6%).
• Achieve revenue and profit before tax targets aligned to lending segments.

Working Relationships

• Interact continuously with internal teams: Sales, Area Credit, Operations, Risk Management.
• Engage periodically with customers and channel partners for relationship management and market insights.

Additional Information

This position reports to the State Credit Manager - Secured and is integral to driving credit excellence within ABCL's secured lending vertical.