Credit Manager

About the job

Job Purpose The role is responsible for assessing credit proposals of all Corporate and Institutional lending businesses of ABFL and getting them approved by the ZCM. The role is also responsible for ensuring proper documentation of the proposals and effectively monitoring the client & collateral creditworthiness from the pre sanction to post disbursement phase while ensuring adherence to legal & documentation norms & policies. Job Context & Major Challenges Organizational Context Job Context/Job Challenges: As the debt arm of Aditya Birla Capital (ABC), Aditya Birla Finance Limited (ABFL) offers specialized lending and financing solutions in the areas of Capital Markets, Corporate/Trade Finance, Commercial Real Estate, Mortgages, Unsecured Lending, Digital Lending & Wealth management. Currently ranked within the top 25 NBFCs of India, we have made significant progress and our balance sheet would be at INR 60,000 Cr plus by 2020 and would exceed that of several mid-sized Banks and NBFCs. A well-established brand and top 3 player in the Capital Markets space, today our product suite comprises a well-diversified look, with equal weightage and focus given to the 6 lines of business. ... Key Responsibilities Include: • Preparing new credit proposals / existing credit exposures which have a high degree of complexity... • Improve the quality of credit evaluation... • Protect from potential loss on the credit portfolio... • Contribute to the growth of business... • Inculcating a risk culture across the corporate finance group... • Provide all necessary assistance to the business and risk heads... • Help in preparation of status of the portfolio... • Assist in the budget process regarding estimating NPA provisions...

Requirements

• Analytical acumen
• Evaluation skills
• Detail orientation
• Decision making skills
• Initiative
• Target orientation
• Market intelligence

Preferred Technologies

• Analytical acumen
• Evaluation skills
• Detail orientation
• Decision making skills
• Initiative
• Target orientation
• Market intelligence

About the company

Aditya Birla Finance Limited (ABFL), the debt arm of Aditya Birla Capital, offers specialized lending solutions across Capital Markets, Corporate/Trade Finance, and more. Ranked among the top 25 NBFCs in India, ABFL has a significant balance sheet and aims to be a leading financier across retail and corporate clientele, with a focus on sustainable profitability.