Area Credit Manager - Retail SCF_Goregaon

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

• 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

2) 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  

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

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

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.

Internal

External

Job Holder

Reports to – Manager 

Name

Date of Entry / Approval