State Credit Manager - Ahmedabad

Aditya Birla Capital; Gujarat; On-site; INR 3,500,000 - 5,500,000; Full time

Job summary

Aditya Birla Capital Limited in Ahmedabad seeks a State Credit Head – Business Loan to lead underwriting and risk strategy. The role focuses on robust credit frameworks, portfolio controls, and cross-functional collaboration to drive growth while maintaining compliance and reducing delinquencies.

The position requires experience in credit management, strong leadership, and a track record of delivering risk-adjusted returns within regulatory guidelines.

Qualifications

• Underwriting heavily relies on manual tasks without technology.
• Limited data analysis hinders risk assessment.
• Scalability challenges with growing volumes.
• High operational costs due to manual processing.
• Need for DSG framework adherence in layers.

Responsibilities

• Credit Underwriting Management: train resources, evaluate proposals, ensure policy adherence.
• Process Improvements: explore changes to improvise and redefine processes.
• Portfolio Management: monitor health, maintain dashboards, apply simplified strategies.
• Business Growth / Cross Functional Coordination: support sales, engage with partners, ensure smooth disbursement.
• Leadership / Soft skills / Team Management: develop talent, ensure framework compliance across layers.
• Deliver, Stay and growth: create layers, identify talent, align workforce with growth needs.
• Supply Chain Finance: ensure proposals comply with norms, monitor asset quality, regulatory adherence.
• Contribute to ROA: optimize resources, reduce losses, adhere to DSG guidelines.

Job description

LocationAhmedabad Basic Details: Fill the required information about business, unit, location, position, reports to position and date of updation of JD BusinessFinancial Services UnitAditya Birla Capital Limited LocationAhmedabad Poornata Position Number of the job Reports to: Poornata Position Number Poornata Position Title of the jobState Credit Head – Business Loan Reports to: Poornata Position TitleCircle Credit Manager FunctionCredit Reports to: Function DepartmentRCMB Reports to: Department Date of writing/ Updation of JDMay 2026

• Job Purpose: Write the purpose for which the job exists (in 2-3 lines)
• Enhance file processing capabilities by implementing a robust credit strategy to minimize early delinquencies in regularly bouncing customers, closely monitoring behavior through tools like regional policies and a risk framework.
• Achieve deeper market penetration in smaller regions by maintaining efficient turnaround times, aligning growth vision with the overarching goal to reach a portfolio value of 2 lakh crore.
• Contribute to ROA through resource optimization and reduced credit losses, ensuring strict adherence to compliance and regulatory frameworks, including DSG guidelines when creating functional layers.

Enabling technology and process improvement leading to optimization of efficiency and recuing manual process.

• 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 CM/ACM 25 SCH/CCH 2 LEAD 1 Contract employees 6 Total 34 Unit Workforce Number NA Function Workforce Number NA Department Workforce Number NA Other Quantitative and Important Parameters for the job: Budgets/ Volumes/No. of Products/Geography/ Markets/ Customers or any other parameter Budget (Cr) FY 26 E closing book Parameters Measurement Unit FY 22-23-A FY 23-24-A FY 24-25-P Fy 26 Closing Book Amt In Cr 40 () 74 () 700() 2200 () Volumes (no of files- logins) FY 24E Files No of files 5000() No of products Geographies No of locations 200+ portfolio maintenance TBD TBD TBD TAT As per SLA Approval Rates 45% no of customers ( FY 24 E) FY 22-23-A FY 23-24-A FY 24-25-P FY 25-26 - P FY 26-27 - P 40 () 74 () 800 2200 5000 ATS(Lakhs) – FY 24 E Rs50L PBT ( Cr FY 24 E) FY 22-23-A FY 23-24-A FY 24-25-P FY 25-26 - P FY 26-27 - P 044() 9.28() 29.61() Not Available being recently started business () Not Available being recently started business () Span ( Nos) 8

• 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

Manual ProcessesWithout technology, underwriting processes may heavily rely on manual tasks, leading to inefficiencies, increased processing times, and a higher likelihood of errors.Limited Data AnalysisTechnology facilitates the analysis of large datasets for better risk assessment. Without it, underwriters may have limited access to data, hindering their ability to make informed decisions and identify emerging trends.Scalability IssuesManual underwriting processes may struggle to scale with the growing volume of business, leading to bottlenecks, delays, and a potential compromise in the quality of underwriting decisions.Increased Operational CostsManual underwriting can be resource-intensive, requiring more staff and time. This can lead to higher operational costs and reduce the overall efficiency and profitability of the underwriting process.Lack of AutomationTechnology enables the automation of routine and repetitive tasks. Without it, underwriters may spend more time on administrative work, limiting their capacity to focus on complex risk assessments and strategic decision-making.Inability to Leverage Data SourcesTechnology allows underwriters to access a variety of data sources for comprehensive risk analysis. The absence of technology limits the underwriting team's ability to tap into alternative data and make well-informed decisions.Reduced CompetitivenessIn an industry where competitors leverage advanced technologies for underwriting, an organization without access to such tools may find it challenging to stay competitive, attract clients, and deliver efficient services.

• 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)

Key Result AreasSupporting Actions Credit Underwriting Management

• Training and development of the resources to implement defined risk framework , evaluation of the proposals, adherence to policy programs defined
• Analyzing the impact of the decisions in the context of the external environment, internal portfolio triggers and bringing in the required changes to curtain down the risk in the portfolio.
• Driving the portfolio control strategies in the different markets as per the performance of the market.
• Keeping turned around time
• Assessment of RCSA, timely submission of the responses along with the samples.
• Responding to compliance team on adverse observation for the customers
• Ensuring that the audit teams across like concurrent, PAR & external are responded on timely basis.
• Work closely with the collection and legal to take action against defaulting parties

Process Improvements

• Exploring process changes on ongoing basis to improvise & redefine process

Portfolio Management

• Monitoring portfolio health through the tools like assessment of the segments through industry, sub-industry performance
• Maintaining credit manager dashboard which covers various aspects like stage wise data, bounce trend for CM/location/region/zone etc
• Implementation of simplified strategies like touch base the customers with frequent bouncing or visiting the customers wherever required.

Business Growth / Cross Functional Coordination / Stakeholder Management

• Support sales team in maintaining partner relationships with DSAs and Channel Partners and regular visits and training to meet business results.
• Communicate the expected credit standards by engaging with the channel partners, sales teams and other distributors in understanding the proposals submitted and extracting the relevant supporting information and Co-coordinating for smooth disbursement.
• Discussing through the door login trend and educating the business team on wastages and corrective actions.
• Be a part of formulation of business strategy and expansion, contribute through credit and risk strategies.

Leadership / Soft skills /Team Management

• Devolvement of required skillset amongst the team members through continuous training and interactions.
• Ensuring that the framework defined is followed and executed across layer to ensure that effective implementation of the policies.
• Ensuring that the DSG framework is followed while creating layers in the function.
• Creating and nurturing talent to ensure that the credit hierarchy is not dependent on only few resources.

Deliver, Stay and growth

• Ensuring that the respective layers are created & adequate talent is identified and grown within the system.
• Understanding of the requirement of workforce to ensure that the right environment is created for people to grow.
• Job Purpose of Direct Reports: Describe the job purpose of the direct report/s to the job (in 2-3 lines for each report)

Supply Chain Finance

• program & ensure that the proposals are compliant with all the norms of the Credit policy, RBI and other statutory regulations.
• Responsible for regular monitoring of the credit portfolio and early warning triggers, to ensure management of asset quality.
• To ensure that the process are designed well within framework to enable the fulfillment of regulatory framework.
• Reviewing of anchor companies / anchor programs (vendor /dealer finance anchor programs) for Supply Chain Finance vertical sourced by Product Team
• Recommend quality anchor programs thereby ensuring good quality portfolio and minimal level of NPAs

Contribute to ROA through resource optimization and reduced credit losses, ensuring strict adherence to compliance and regulatory frameworks, including DSG guidelines when creating functional layers

• 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 NatureInternal National Sales Manager Sales team Risk team Operations team Other FunctionsCEO/ Group CEO Risk Management Committee Daily Daily/ weekly Daily Monthly Need based Need Based Quarterly Business MIS, proposal reviews, new initiatives and branch updates Business MIS, proposal discussions, NPA reviews, updates on initiatives Proposal approvals, interest rate approval, providing market intelligence, MIS on deviations in client accounts Client servicing issues, pricing matrix Business discussions for smooth operations Portfolio reviews and credit approval Portfolio reviews and portfolio development strategies Aligning self with the strategies to the organization for implementation of the vision. Aligning self with the strategies to the organization for implementation of the vision. ExternalExisting and Potential Customers Channel Partners/ DSAs Fortnightly Need based Customer relationship management (CRM) & understanding the market pulse CRM, commission updates & understanding the market pulse of new initiatives etc.

• 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