Area Credit Manager - Retail Secured - Bahadurgarh

Description
Job Description – Area Credit Manager (Retail Secured)
Business: Financial Services
Unit: Aditya Birla Capital Limited
Function: Credit
Department: Retail Secured Credit (Loan Against Property)
Job Purpose Responsible for evaluating and approving Loan Against Property (LAP) proposals within delegated authority while ensuring adherence to credit policy, regulatory requirements, and risk management standards.
The role focuses on maintaining portfolio quality, supporting business growth through prudent underwriting, managing stakeholder relationships, and driving efficient credit decision-making across the assigned geography. Key Performance Indicators 3) Job Context & Major Challenges Function Context
Dimensions Other Quantitative and Important Parameters
Product: Loan Against Property (LAP)
Customer Segment: Self-Employed, MSME, Professionals, Traders and Salaried Customers
Geography: Assigned State/Cluster/Branches
Approval Authority: As per Credit Authorization Matrix
Portfolio Quality: Delinquency, Bounce Rate and NPA Management
Turnaround Time (TAT): As per defined SLA
Audit & Compliance: 100% adherence
Productivity: As per business plan
Stakeholders Managed: Sales, Operations, Legal, Technical, Risk and Collections Teams
Monthly login and sanction volumes
Approval TAT
First Time Right (FTR) proposals
Portfolio quality indicators
Early delinquency performance
GNPA and NNPA levels
Audit compliance score
Productivity and approval ratio
Business partner satisfaction
The Retail Secured Business provides Loan Against Property solutions to self-employed customers, MSMEs, professionals and salaried individuals for business expansion, working capital, debt consolidation and personal financial requirements.
The Credit Function is responsible for assessing borrower repayment capacity, collateral quality, legal enforceability, financial strength and overall creditworthiness while maintaining a balance between business growth and portfolio quality.
Job Context
Evaluate and approve LAP proposals as per defined credit policies and guidelines.
Assess customer income, business profile, banking behaviour and repayment capacity.
Review legal, technical and valuation reports for collateral properties.
Maintain portfolio quality through prudent underwriting and risk monitoring.
Support business growth through timely credit decisions.
Collaborate with sales, operations, legal, technical and collections teams for seamless execution.
Key Challenges Balancing Business Growth and Portfolio Quality
Supporting business growth while maintaining acceptable risk levels and portfolio performance.
Complex Customer Assessment
Evaluating self-employed and MSME customers with varied business models and income profiles.
Property Risk Evaluation
Assessing legal ownership, marketability, valuation adequacy and enforceability of collateral.
Turnaround Time Management
Ensuring timely credit decisions without compromising on underwriting quality.
Dynamic Market Environment
Managing credit risks amidst changing market conditions, competition and customer behaviour.
Requirements
Regulatory and Compliance Requirements
Ensuring adherence to internal policies, audit requirements and regulatory guidelines. 2. Portfolio Quality Management
Key Result Areas 1. Credit Underwriting & Approval Management Supporting Actions
Evaluate Loan Against Property proposals in line with approved credit policies.
Analyze customer financials, banking transactions, bureau reports and repayment capacity.
Review legal, technical and valuation reports.
Assess business, industry and collateral-related risks.
Approve proposals within delegated authority limits.
Recommend appropriate risk mitigants wherever required.
Ensure quality and consistency in credit decisions.
Supporting Actions
Monitor portfolio health across assigned locations.
Review delinquency trends, bounce rates and early warning indicators.
Identify potential risk accounts and initiate corrective actions.
Coordinate with collections and business teams to improve portfolio performance.
Support portfolio reviews and risk containment initiatives.
3. Compliance & Process Governance
Supporting Actions
Ensure adherence to credit policy, regulatory guidelines and operational processes.
Maintain proper credit documentation and approval trails.
Ensure closure of audit observations within defined timelines.
Monitor policy deviations and obtain appropriate approvals.
Drive process discipline and governance standards.
4. Business Partnership & Stakeholder Management
Supporting Actions
Work closely with sales teams to support business objectives.
Guide sales teams on policy requirements and documentation standards.
Resolve proposal-related queries in a timely manner.
Conduct regular interactions and training sessions for business teams.
Improve proposal quality and First Time Right submissions.
5. Cross Functional Coordination
Supporting Actions
Collaborate with Operations, Legal, Technical, Risk and Collections teams.
Ensure timely processing and disbursement of approved cases.
Escalate critical issues and risks to stakeholders as required.
Drive effective communication across functions.
6. Reporting & MIS
Supporting Actions
Review productivity, approval rates and turnaround times.
Monitor portfolio quality indicators and risk trends.
Prepare and present periodic MIS and portfolio review reports.
Highlight concerns and recommend corrective measures.
7. Team Development & Capability Building
Supporting Actions
Support development of team members through coaching and mentoring.
Conduct policy and process training sessions.
Share market and portfolio insights with stakeholders.
Promote a culture of continuous learning and accountability.
8. Process Improvement Initiatives
Supporting Actions
Identify opportunities for process enhancement and efficiency improvement.
Support automation and digitization initiatives.
Participate in projects aimed at improving portfolio quality and customer experience.
Contribute towards productivity enhancement and cost optimization.
5) Job Purpose of Direct Reports Credit Manager / Credit Analyst
Evaluate and process loan proposals as per prescribed underwriting guidelines.
Conduct detailed financial, banking and collateral assessment.
Ensure compliance with credit policies and documentation requirements.
Support portfolio monitoring, audit compliance and MIS preparation.
Coordinate with business and support teams for smooth proposal processing.
6) Relationships Internal
Relationship Frequency Purpose
State Credit Manager Daily Credit approvals, portfolio reviews and escalations
Sales Team Daily Proposal discussions, productivity improvement and policy guidance
Branch Managers Daily Pipeline review and proposal quality enhancement
Operations Team Daily Documentation and disbursement support
Risk Team Need Based Policy interpretation and escalations
Legal Team Daily Legal assessment and risk mitigation
Technical Team Daily Property valuation and technical reviews
Collections Team Weekly Delinquency and recovery monitoring
External
Relationship Frequency Purpose
Customers Need Based Credit assessment and case discussions
Channel Partners / DSAs Weekly Proposal sourcing and quality improvement
Legal Vendors Need Based Property title verification
Technical Vendors Need Based Property valuation and assessment
Verification Agencies Need Based Customer and business verification
Organizational Relationships State Credit Manager ↓ Area Credit Manager – Retail Secured ↓ Credit Manager / Credit Analyst Reporting To State Credit Manager – Retail Secured Role Type Individual Contributor with potential team management responsibilities based on business requirements.

Work arrangement
No