ABCL-Credit Manager- Supply Chain Finance- Chandigarh

Job Description

Job Purpose

The role is responsible for assessing credit proposals of all Corporate and Institutional lending businesses of ABFL and getting them approved by the ZCM. The role is also responsible for ensuring proper documentation of the proposals and effectively monitoring the client & collateral creditworthiness from the pre sanction to post disbursement phase while ensuring adherence to legal & documentation norms & policies.

Job Context & Major Challenges

Job Context/ Job Challenges:
Organizational Context:
As the debt arm of Aditya Birla Capital (ABC), Aditya Birla Finance Limited (ABFL) offers specialized lending and financing solutions in the areas of Capital Markets, Corporate/ Trade Finance, Commercial Real Estate, Mortgages, Unsecured Lending, Digital Lending & Wealth management. Currently ranked within the top 25 NBFCs of India, we have made significant progress and our balance sheet would be at INR 60,000 Cr plus by 2020 and would exceed that of several mid-sized Banks and NBFCs.
A well established brand and top 3 player in the Capital Markets space, today our product suite comprises of a well-diversified look, with equal weightage and focus given to the 6 lines of business. Having seen a y.o.y cumulative growth of 50% in both top-line and bottom line, sustainable profitability continues to be the key management agenda.

The company has a well-defined vision of being one of the most reputed and material financiers within the lending space - spread across both retail HNI and corporate clientele. We have made significant investments in our process and system infrastructure towards preparing for the next level of growth and are one of the only financial entities certified for ISO 9001:2008 across all our business processes.

Job Context:

The Corporate & Institutional Group caters to the short term and long term funding needs of the entire spectrum of business segment like large corporates, mid size business,small and medium ( ) enterprises and Corporate supply chains in the country. The is engaged in funding short term and long term needs via a suite of customized short and long tenured products. The Lending portfolio would include products like Working capital funding, Supply chain financing, Term loans, LC discounting and Bill discounting, Loan against Property/ assets, etc

The Credit Manager is responsible for the following:
. Preparing new credit proposals / existing credit exposures which have a high degree of complexity and data volume. To get the credit proposals logged in with ZCM and highlighting the industry, business, financial, management and facility structure risk contained in the credit proposal. The role needs to bring out the collateral and other credit risk mitigation to aid decision / facilitate the approving authority to take decision on the credit proposal.
. Improve the quality of credit evaluation to ensure the portfolio built is value accretive to all the stake holders of the company
. Protect from potential loss on the credit portfolio by detecting early warning signals of deteriorating risks and advising these to the Relationship Managers and senior management.
. Contribute to the growth of business and work to high levels of customer service standards by ensuring that proposals under review are addressed within a committed timeframe without compromising on quality of the asses nt.
. Inculcating a risk culture across the corporate finance group (i.e.) the risk team, credit team and the sales team
. Provide all the necessary assistance to the business and risk heads to ensure audit of the portfolio is completed to the satisfaction of the auditors and include the learning and recommendations from the audit into the credit / risk appraisal processes
. Provide information and necessary assistance to the ZCM for review of the portfolio
. Help in preparation of status of the portfolio to the Risk Management Committee for their review and guidance
. Assist in the budget process in terms of the estimating the NPA provisions and ensuring the provisions are made on monthly basis by constantly reviewing the exposure as to recoverability.

The critical skill sets are a strong analytical acumen, evaluation skills, detail orientation & decision making skills, initiative & target orientation & market intelligence developed through a strong industry network.

Key Result Areas