Area Credit Head - SME SCF - Pune

Basic Details: Fill the required information about business, unit, location, position, reports to position and date of updation of JD
Business
Financial Services
Unit
Adity Birla Capital Limited
Location
Mumbai
Poornata Position Number of the job
Reports to: Poornata Position Number
Poornata Position Title of the job
Credit Manager/ Area Credit Manager- Supply Chain Finance
Reports to: Poornata Position Title
State Credit Manager- Urban & SCF
Function
Credit
Reports to: Function
Department
RCMB
Reports to: Department
Date of writing/ Updation of JD
Aug 25
Job Purpose: Write the purpose for which the job exists (in 2-3 lines)
To manage and evaluate credit risk for supply chain finance proposals, ensuring sound credit decisions that support business growth while maintaining portfolio quality and compliance with internal and regulatory guidelines
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 (SCF)
74 (SCF)
700(SCF)
2200 (SCF)
Volumes (no of files- logins) FY 24E
Files
No of files
5000(SCF)
No of products
SCF -3
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 (SCF)
74 (SCF)
800
2200
5000
ATS(Lakhs) – FY 24 E
Rs50L-SCF
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(SCF)
9.28(SCF)
29.61(SCF)
Not Available being recently started business (SCF)
Not Available being recently started business (SCF)
Span (Nos)
NA
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
Supply Chain Finance
Manual Processes
Without technology, underwriting processes may heavily rely on manual tasks, leading to inefficiencies, increased processing times, and a higher likelihood of errors.
Limited Data Analysis
Technology 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 Issues
Manual 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 Costs
Manual 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 Automation
Technology 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 Sources
Technology 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 Competitiveness
In 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 Areas
Supporting Actions
Credit Underwriting Management
Evaluate creditworthiness of anchor corporates and their associated vendors/dealers.
Analyze financial statements, bank statements, GST data, and other relevant documents.
Conduct risk assessments and assign appropriate credit limits and tenors.
Prepare detailed credit appraisal memos and present cases to credit committees/Senior Management.
Ensure timely processing of credit proposals within defined TATs to support business efficiency and client satisfaction
Work closely with the collection and legal to take action against defaulting parties
Ensuring that the audit teams across like concurrent, PAR & external are responded on a timely basis.
Reporting of Fraud identified if any to the FRMU team.
Ensuring and maintaining FTR decisioning.
Process Improvements
Exploring process changes on ongoing basis to improvise & redefine process
Portfolio Management
Monitor portfolio performance and identify early warning signals.
Review and renew existing credit limits periodically.
Ensure compliance with internal credit policies and regulatory norms.
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.
Support relationship managers in structuring deals and resolving credit-related queries
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
Assist in evaluating credit proposals by analyzing financial, GST data, and banking information of vendors/dealers. Preparation of credit appraisal notes and ensure timely processing within defined TATs.
Ensure productivity norms are met as per the set benchmarks through efficient handling of credit proposals and adherence to process discipline.
Ensure accurate and complete documentation for approved credit facilities.
Responsible for regular monitoring of the credit portfolio and early warning triggers, to ensure management of asset quality.
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.
Ensure timely closure of audit observations.
Maintain documentation and records as per internal and regulatory standards.
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
National Sales Manager
Sales team
Risk team
Operations team
Other Functions
CEO/ 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 re

Work arrangement
No