Senior Credit Manager - Mid Market - Bangalore

Aditya Birla Capital; Karnataka; On-site; INR 1,200,000 - 2,000,000; Full time

Job summary

Aditya Birla Capital is seeking a Credit Manager for Supply Chain Finance in Chennai. The role requires evaluating proposals with due diligence, ensuring compliance with credit policy and RBI regulations, and coordinating with sales for timely decisions.

The candidate should have a Masters in Finance with 3–4 years of relevant experience. The job focuses on underwriting, risk assessment, and portfolio monitoring to sustain a healthy facility base.

Qualifications

• Must analyze proposals with due diligence to capture information for credit decisions.
• Proposals must comply with credit policy, RBI rules and statutory regulations.
• Maintain Turn Around Time (TAT) in credit appraisal and monitor changes in economic sectors.
• Coordinate cross-functionally to enable timely approvals.
• Update on economic/sectoral changes and maintain portfolio awareness.

Responsibilities

• Underwrite proposals according to established parameters and credit policies.
• Analyze Management Risk, Industry Risk, Business Risk and Financial Risk for each proposal.
• Ensure compliance with credit policy guidelines to maintain quality of the portfolio.
• Identify strengths/weaknesses and propose risk mitigants for high-quality proposals.
• Support anchor program reviews and provide timely portfolio insights.

Skills

Credit analysis

Credit policy adherence

TAT management

Stakeholder coordination

Market intelligence

Education

Master's in Finance

Job description

Business

Aditya Birla Capital

Job Description – Credit Manager – Supply Chain Financing

Enriching Lives Winning as ONE

ABC Company Info:

Aditya Birla Capital Limited ("ABCL") is the holding company for the financial services businesses of the Aditya Birla Group. With subsidiaries/JVs that have a strong presence across Protecting, Investing and Financing solutions, ABCL is a financial solutions group that caters to the diverse needs of its customers across their life cycle. Powered by more than 38,000 employees, the businesses of ABCL have a nationwide reach with over 1300 branches, more than 2,00,000 agents/channel partners and various bank partners.

Aditya Birla Finance Limited:

Aditya Birla Finance Limited(“ABFL”), a subsidiary of Aditya Birla Capital Limited, is among the leading well-diversified non-banking financial services company in India. ABFL offers customized solutions in the areas of personal finance, mortgage finance, SME finance, corporate finance, wealth management, debt capital markets and loan syndication.

What makes an ideal ABC Citizen?

At ABC, we are constantly on the lookout for individuals who resonate with our 5 core values of Speed, Passion, Integrity, Seamlessness and commitment and live them every day, while also understanding our vision. We believe in building leaders who thrive on challenges, take the onus of creating and sustaining strong teams, and forms strong networks as a result of effective relationship-building.

Role Details:

Business

Aditya Birla Capital

Unit

Aditya Birla Finance Limited

Location

Chennai

Role

Credit Manager

Department

Supply Chain Finance

Eligibility Criteria

Masters in Finance, 3-4 Years of Relevant Experience

Required Skills & Competencies

• Responsible for analyzing the proposal with the required due diligence and to ensure that all information required to take a credit decision is captured in the proposal. The incumbent is expected to ensure that the credit proposals are processed in line with the parameters as decided under the program.
• Also responsible to ensure that proposals are compliant with all the norms of credit policy, RBI regulations and other statutory regulations.
• Maintain stipulated TAT in credit appraisal process and is also responsible for keeping update on the various changes in economic scenario, sectors, etc., coordination with sales team for faster decisions to improvise TATs of the overall sanction process.
• Cross functional coordination to enable timely approval of credit proposals
• Self updation on economic / sectoral changes in the economy
• Seamless co-ordination with multiple internal and external entities
• Review of anchor programs.
• To execute and monitor the status of key initiatives and portfolio monitoring MIS.
• 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 Responsibilities:

The key responsibilities include initial screening of the proposal, thorough appraisal of credit proposals with the required due diligence; coordination with the sales team for resolution of credit and risk concerns, maintaining Turn Around Time (TAT); interfacing with the Sales team for faster decisions; Assist in Anchor program reviews.

Underwriting and Recommending Quality Proposals

• Underwrite proposals according to established parameters and credit policies.
• Conduct a comprehensive analysis of Management Risk, Industry Risk, Business Risk, and Financial Risk associated with each proposal.
• Adhere strictly to credit policy guidelines to ensure proposal compliance.
• Identify and address strengths, weaknesses, and proper risk mitigants within each proposal.
• Recommend high-quality proposals to ensure a strong portfolio with minimal Non-Performing Assets (NPAs).

Efficient Turnaround Time (TAT) for Proposal Validation

• Ensure prompt and efficient processing of all proposals.
• Maintain high standards for validation efficiency to support timely decision-making.

Renewal / Enhancement of Existing Facilities

• Review and ensure renewal proposals comply with the conditions stipulated at the time of the previous sanction.
• Ensure timely submission of renewal proposals to the Credit Committee.
• Oversee the timely renewal process to ensure continued service to the client.

Sales Support & Capacity Building

• Respond promptly and effectively to all requests from the Sales team.
• Engage with customers to understand their business credentials, ensuring a smooth case progression and timely action.

Continuous Portfolio Monitoring and Audit Assistance

• Conduct regular reviews of borrower accounts to ensure ongoing monitoring of portfolio quality.
• Support the NCM – Supply Chain Finance in completing a satisfactory audit of the portfolio under your responsibility.

Refer the links to know more Growth & Culture at ABC: https://www.adityabirlacapital.com/careers?ref=abc-homepage

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Aditya Birla Capital is committed to provide equal opportunity to all in employment and prohibits discrimination or harassment in any form on the basis of race, colour, religion, ethnicity, age, gender, disability or any other characteristic protected by law. Diversity, Equity and Inclusion (DEI) is embedded in our recruitment policies based on our business needs and candidates meeting the eligibility criteria such as qualification, skills and experience.