State Credit Manager

Aditya Birla Capital; Tamil Nadu; On-site; INR 1,500,000 - 2,300,000; Full time

Job summary

Aditya Birla Capital in Tamil Nadu seeks an experienced credit underwriting leader to guide underwriting standards, assess complex proposals, and approve compliant credit decisions within delegated authority. You will monitor portfolio quality and collaborate with cross-functional teams to ensure prudent risk management.

As a state-level leader, you will mentor the credit team, drive process enhancements to improve turnaround times, and ensure governance in policy adherence and regulatory

Job description

Key Responsibilities Credit 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.

Portfolio Quality & Risk Management

• 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.

Business Partnership

• 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.

Team Leadership

• 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.

Policy & Process Governance

• 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.