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
Pan India
Poornata Position Number of the job
Reports to: Poornata Position Number
Poornata Position Title of the job
State Credit Manager – Unsecured Self Employed
Reports to: Poornata Position Title
National Credit Head – Unsecured Self Employed
Function
Credit
Reports to: Function
Credit
Department
Unsecured
Reports to: Department
Unsecured
Designation of the Employee
State Credit Manager – Unsecured Self Employed
Designation of the Manager
National Credit Head – Unsecured Self Employed
Date of writing/ Updation of JD
10 th Oct 2025
- Job Purpose: Write the purpose for which the job exists (in 2-3 lines) (Max 1325 Characters)
To ensure the smooth flow of the BL/DL proposals for their regions; to drive continuous improvement in credit approval process in order to meet the dynamic business needs; to co-ordinate with RMs Business Team, mid-office team, clients, and other agencies to improve upon TATs and instituting mechanisms for complete safety of financed amount and timely regularization of margin shortfall.
- 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
Sales Counter part 8-10 ASMs, 20 CMs & RSMs
Unit Workforce Number
10-12 CMS/ACMS
Other Quantitative and Important Parameters for the job: Budgets/ Volumes/No. of Products/Geography/ Markets/ Customers or any other parameter
Budget – Rs 240 Cr BL/DL Disbursal Amount, Per RCM Per Year
Volume – 5000 No. of files Login Per Year
No. of Products – 2 i.e. Business loans & Doctor Loans
Geography – Region consisting of multiple states
No. of Locations – 2-3 Locations
Channel Management – Multiple (60-75) Channel/DSA Partners
Vendor Management – CPV/FI/PD Agencies, 16-18 Vendors
No. of Customers – 500 Per ACM in his / her Portfolio
Portfolio Maintenance (NPA%) – Within 1.75%
- 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
Organization Context
Aditya Birla Capital Limited (ABCL) is a lending subsidiary of Aditya Birla Capital Limited. ABCL is registered with RBI as a Systematically Important Non-Deposit accepting Non-Banking Finance Company (NBFC). ABCL is one of the top private diversified NBFCs in India. As of 31-Dec'20, ABCL has a pan-India presence with 91 branches and a lending book of Rs. 45,560 Crores.
ABCL offers end-to-end lending solutions to a diverse set of customers - Retail, HNI, MSMEs, and Mid & Large Corporates through secured as well as unsecured loan products. The diverse range of lending products includes Retail Small Ticket Secured and Unsecured Loans, Unsecured Personal Loans, Unsecured Business Loans, Health & Education Loans, Digital B2B2C and B2B2B Small Ticket Loans, Small Business Secured Loans, Loans Against Property (LAP), Lease Rental Discounting (LRD), Construction Finance (to Real Estate Developers), SME Loans, Capital Markets Loans (Loan Against Shares), Supply Chain Finance, Mid and Large Corporate Loans, and Infrastructure Finance loans. ABCL also has a Wealth Management division.
ABCL is rated AAA by India Ratings, ICRA and CARE (reaffirmed in 2020). ABCL secured the ABG Business Excellence Award in 2017 (Silver), and 2015 (Bronze), and multiple other Awards on forums like CII.
Function Context
- As the lending arm of Aditya Birla Capital Ltd, Aditya Birla Finance Limited (ABCL) offers specialized lending and financing solutions in the areas of Capital Markets, Corporate/ Trade Finance, Commercial Real Estate, Retail and Mortgages. Currently ranked within the top 10 NBFCs of India, ABCL has made significant progress and the Company's balance sheet at INR 45,000 Cr plus exceeds that of several mid-sized Banks and NBFCs
- Having focused traditionally on secured lending verticals and built a strong balance sheet on the same, ABCL has ventured into Business Instalment Loan and Doctor Loan loan (Unsecured Business) segment in order to effectively capitalize on its financial base with carefully managed exposures in this higher yield segment
- The Unsecured Business loan & Doctors Loan Business segment products line caters to funding to self-employed professional and non-professionals who can borrow from financial institution. They require funds to pay for their financial needs. via a suite of customized short and long tenured products, without any security/ collateral.
- Credit function is engaged in evaluating the creditworthiness of business loan applications by considering quantitative & qualitative factors like the client credibility, earnings of an individual, repaying capacity, Company category and various checks to verify the credentials of the borrowers.
Job Context
To conduct initial screening of BIL/DIL credit proposals with the required due diligence and ensure that all information required to take a credit decision is captured in the proposal.
- To ensure that all BIL/DIL proposals are compliant with all the norms of credit policy, RBI regulations and other statutory regulations.
- To maintain stipulated TAT in credit appraisal process and co-ordinate with sales team for faster decisions to improvise TATs of the overall sanction process.
- To ensure that the property risk & customer risks are managed.
- Review and monitor quality of portfolio and Vendor management
- Review the Audit queries and ensure such queries gets resolved and do get repeated in future
Key Challenges
- To ensure availability of data and information for exhaustive credit appraisals as each of the proposals has their respective structuring complexities as per the customer, product & regulatory requirements.
- To build strong rapport with sales teams to elicit relevant and important information on customer profiles to mitigate risks
- To ensure faster TATs for approval of credit proposals in a highly competitive & dynamic market.
- To keep abreast with market/ regulatory/ product related insights and trends in order to enhance customer interactions and minimize credit or operational risks
- To ensure that credit and customer risk are mitigated while pending documentation is monitored and regularized
- 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)- Maximum 10 KRAs can be updated
Key Result Areas (Max 1325 Characters)
Supporting Actions (Max 1325 Characters)
Credit Review Process
- Review BIL/DIL credit proposals by analyzing the client creditworthiness, Company profile, Bureau credibility, repayment track record, average bank balance & adherence to other internal credit norms
- Perform direct and thorough investigation and obtain relevant credit information through personal interaction with customer.
- Maintain network with other financial institutions to take independent local industry references for customers if required
- Make recommendation for approval/ decision at the Regional / Zonal/ National / Credit Committee levels
- Submit Credit Appraisal to the Zonall Credit Manager for each proposal highlighting the key risks associated with the borrower to enable a prudent credit lending decision.
- Ensure capturing the right deviation while assessing the case
- Review and monitor quality of portfolio and Vendor management
Documentation & MIS
- Maintain thorough documentation as per stipulated process for effective tracking of proposal documents and TAT
- Prepare MIS & trend charts on portfolio progress/variances/defaults for all the loans during their credit life cycle to share with the Regional Manager and Stakeholders
- Review the Audit queries and ensure such queries gets resolved and do get repeated in future
Process Management
- Monitor the BIL/DIL portfolio performance by analyzing covenants for deviations and checking sanction condition put in the proposals at the time of approvals
- Follow end to end processes as per the SOPs at the local assessment level
- Capture proper data in the requisite system in a timely and accurate manner to ensure proper MIS generation for business decisions
- Handle customer escalations and complaints during and post disbursements – replies to mailers, correspondences with co-ordination with Sales team
- Monitor the overdue position and take appropriate steps to support the recovery process for the same.
- Maintain thorough documentation for effective tracking of proposal documents and TAT
- Prepare MIS & trend charts on portfolio progress/variances/defaults for all the loans during their credit life cycle to share with the Head Risk
Productivity
- Ensure decisions of the cases taken within defined timelines and productivity level being met.
- Contributes over and above to the productivity norms by being agile and also support business team by doing regular vendor/DSA visits
- Job Purpose of Direct Reports: Describe the job purpose of the direct report/s to the job (in 2-3 lines for each report)
Area Credit Manager – BL: The purpose of this job is to review BIL/DIL credit proposals and carry out the required due diligence within stipulated turnaround time, co-ordinate with sales team for resolution of credit risk concerns, recommend BIL/DIL proposals to Regional Credit Manager, Zonal Credit Manager, National Credit Manager, Credit Committee for decision/ approvals on the case.
Credit Manager – BL: The purpose of this job is to review BIL/DIL credit proposals and carry out the required due diligence within stipulated turnaround time, co-ordinate with sales team for resolution of credit risk concerns, recommend BIL/DIL proposals to Regional Credit Manager, Zonal Credit Manager, National Credit head, Credit Committee for decision/ approvals on the case and to assist the Senior Credit Analyst with review of simple BIL/DIL proposals and carry out timely due diligence
- 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
Head Risk
Regional Credit Manager
Sales team
Operations team
Other Support Functions
Product & Policy team
Weekly
Daily
Daily
Daily
Daily
Need Based
MIS, intimation in cases requiring management intervention
Recommendations on loans, ongoing portfolio/client reviews, documentation audits
MIS, intimation on major shortfall /defaults in portfolios Client servicing issues,
Disbursal completion
Business discussions for smooth operations & business excellence in designing SOPs/ Process
Discussion on factors impacting business , process and products
External
Clients
Daily
CRM & Proposal discussions, understanding the market pulse, Review Meetings and Collection Meetings
- 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
