Area Credit Manager - Jodhpur

Role Overview

This position sits within the secured lending credit function for the Jodhpur area and is responsible for supporting credit decisions, portfolio oversight, and risk control across assigned branches. The role is important in helping deliver medium- and long-term financing solutions such as Small Ticket Secured Lending and Micro LAP while maintaining policy discipline, efficient turnaround times, and healthy asset quality.

Organization Context

Aditya Birla Capital Limited is a systemically important, deposit-free NBFC registered with the RBI. It is among India’s leading diversified private NBFCs, with a nationwide footprint of 450 branches and a lending book of Rs. 1.2 lakh crores as of 31-Mar-25.

The company provides end-to-end lending solutions to retail customers, HNIs, MSMEs, and mid- to large-sized corporates through both secured and unsecured products. Its portfolio includes retail small-ticket secured and unsecured loans, personal loans, business loans, health and education loans, digital B2B2C and B2B2B small-ticket loans, small business secured loans, loans against property, lease rental discounting, construction finance, SME loans, capital markets loans, supply chain finance, mid and large corporate loans, infrastructure finance loans, and wealth management offerings.

The organization is rated AAA by India Ratings, ICRA, and CARE, and has received recognition such as the ABG Business Excellence Award and other industry honors.

Business Context

The credit function supports responsible retail lending across a large branch network and more than 12,500 pincodes. Growth is being driven through direct channels and lending partnerships, which requires strong underwriting discipline, risk evaluation, and quick decision-making. Technology plays a major role through APIs, STPs, Go-No-Go frameworks, BREs, and the Lentra Revamp Project, while analytics and data science are used in underwriting models that draw from personal, financial, demographic, and bureau data.

The function also supports digital sourcing, especially in Supply Chain Finance, and contributes to expansion in Tier 3 to Tier 5 markets as well as newer products such as Education Loans and Two-Wheeler Financing. The work requires close coordination with Sales, Risk, and Operations to balance growth, compliance, portfolio quality, and cost efficiency.

Job Context and Major Challenges

The secured-loan credit function in an NBFC environment enables funding for small businesses and individuals through collateral-backed products. This requires structured evaluation of business strength, earnings, liquidity, management quality, and related qualitative and quantitative factors to protect portfolio health and control risk.

The team must build consistent approval practices, ensure complete documentation from business teams, and adopt credit frameworks smoothly. Technology is essential for improving turnaround time, supporting predictive risk assessment, and reducing manual effort. The role also involves tracking key performance indicators, coordinating on margin shortfalls, and ensuring financed amounts remain protected. Continuous improvement is needed to improve ROA, manage costs, meet regulatory expectations, and reduce fraud risk.

Key Challenges

• Keeping underwriting technology current in a market where competitors can access information instantly, while reducing heavy manual work in the approval process.
• Retaining skilled team members in a competitive compensation environment.
• Managing the portfolio effectively in a fast-changing market with shifting competition strategies.
• Handling FTR logins and ensuring complete data availability for detailed credit appraisal.
• Meeting faster turnaround time targets for approvals.
• Controlling credit and customer risk while tracking and regularizing pending documentation.
• Monitoring and responding to emerging risks in a dynamic business setting, including regularization of margin shortfalls.

Key Result Areas

• Credit Underwriting Management: Ensure credit decisions are made in line with policy and within timelines for assigned branches, support branch teams on proposal evaluation and TAT management, and coordinate on audit, compliance, and recovery-related actions.
• Process Improvement: Identify branch-level efficiency improvements, reduce manual dependencies, and encourage use of digital tools and workflow-based operating methods.
• Portfolio Management: Track bounce trends and early delinquency through MIS dashboards, take corrective steps for higher-risk accounts, and support better portfolio quality.
• Business Growth: Work with sales and channel partners to help meet disbursement goals and keep credit operations running smoothly through regular stakeholder engagement.
• Team Development: Coach and guide branch credit officers to improve underwriting quality and compliance discipline, while strengthening policy execution and talent capability.

Stakeholder Relationships

Internal stakeholders: Sales team, Area Credit team, Operations team, other functions, and the Risk Management Committee. Interactions include proposal approvals, interest rate approvals, market intelligence sharing, MIS on client deviations, business coordination, portfolio reviews, and alignment on organizational strategy.

External stakeholders: Existing and prospective customers, as well as channel partners and DSAs. These interactions focus on customer relationship management, understanding market sentiment, commission updates, and awareness of new initiatives.

Additional Information

This role description includes the organization context, business context, job context, major challenges, key result areas, and relationship expectations for the position. No separate compensation, perks, notice period, educational requirement, or vacancy count was specified in the source.

Ideal Candidate Profile

The role suits professionals with strong credit underwriting judgment, branch-level portfolio management capability, stakeholder coordination skills, and the ability to work in a process-driven, technology-enabled lending environment.