Area Credit Manager - Kishangarh

Role overview

This position is focused on leading credit underwriting for the Secured Urban Loan business, specifically STSL and MLAP, across the assigned region. The incumbent will supervise a team of Credit Managers, ensure lending decisions are made accurately and in line with policy, and help protect portfolio quality through disciplined risk control. The role also calls for close coordination with collections and legal teams, strong stakeholder management, and continuous improvement in team effectiveness and processes.

Position setup

Business unit: Aditya Birla Capital Ltd.

Function: Credit

Department: Credit

Employee designation: Area Credit Manager / Credit Manager – Secured

Manager designation: State Credit Manager – Secured

Document updated: September 2025

Location: Kishangarh, Rajasthan, India

Business workforce number: 516

Direct reportees: Not specified

Geography: PAN India

Job purpose

The job is meant to oversee secured-loan credit operations within the assigned area, ensuring sound underwriting decisions, regulatory adherence, and healthy portfolio performance. It also requires the manager to strengthen collaboration between credit, sales, collections, and legal stakeholders while mentoring the team and streamlining day-to-day credit workflows.

Key responsibilities

• Review and approve credit proposals for the assigned branches within policy and turnaround-time expectations.
• Guide branch teams in evaluating secured-loan applications and resolving operational bottlenecks.
• Track audit, compliance, and regulatory observations and ensure closure of open points.
• Work with collections and legal teams to manage defaults, recoveries, and other risk-related actions.
• Monitor portfolio health using MIS reports, including bounce trends and early delinquency indicators.
• Take corrective steps for higher-risk accounts and support improvement in portfolio quality.
• Identify process gaps and introduce local improvements that reduce manual effort and improve efficiency.
• Encourage adoption of digital credit tools and branch-level workflow improvements.
• Coordinate with sales and channel partners to support disbursement and business growth targets.
• Train and mentor branch credit officers to improve underwriting quality, compliance, and execution discipline.

Business context

The organization is a major diversified NBFC with a pan-India lending footprint and a broad product suite spanning secured and unsecured lending. The credit function operates in a highly scaled environment where speed, accuracy, and risk control must work together. Technology-enabled underwriting, analytics, predictive models, and structured credit frameworks are central to the operating model.

Within secured lending, the team supports small businesses and individuals through products such as Small Ticket Secured Lending and Micro LAP. Because these products are backed by collateral, the role requires careful assessment of both financial and non-financial parameters, documentation quality, and repayment ability. The function also needs to remain aligned with regulatory expectations, maintain portfolio hygiene, and respond quickly to changing market conditions.

Major challenges

• Keeping underwriting processes current in a market where competitors use faster data-led solutions.
• Managing talent retention when competing organizations may offer stronger compensation packages.
• Handling portfolio quality in a rapidly changing and competitive environment.
• Ensuring complete and reliable data for detailed credit appraisal, especially where structuring is complex.
• Maintaining fast approval turnaround times without weakening credit quality.
• Tracking pending documentation and ensuring it is completed and regularized in time.
• Identifying emerging risks early and managing margin shortfalls proactively.

Relationship management

Internal stakeholders: Sales team, Area Credit team, Operations team, other functions, and the Risk Management Committee.

External stakeholders: Existing and potential customers, channel partners, and DSAs.

Interaction pattern: Ongoing discussions with internal teams, monthly portfolio and business reviews, quarterly risk committee engagement, fortnightly customer touchpoints, and need-based coordination with partners.

Dimensions and scale

The role sits in a large-scale credit environment with a business workforce of 516 and PAN India coverage. The portfolio and operating metrics span multiple lending verticals and large customer and branch counts, requiring structured management of volumes, risk, and growth.

Reported metrics mentioned in the source:

• Closing book: 4035 Cr (BL+DL), 2017 Cr (STUL), 74 Cr (SCF) for FY 24-25 actual; 6950 Cr (BL+DL), 2100 Cr (STUL), 2000 Cr (SCF) for FY 25-26 proposed.
• Number of customers: 50,427 (STUL), 18,340 (BL+DL), 1,500 (SCF) actual; 52,000 (STUL), 31,178 (BL+DL), 16,000 (SCF) proposed.
• Disbursement: 2520 Cr (BL+DL), 1392 Cr (STUL), 331 Cr (SCF) actual; 7200 Cr (BL+DL), 400 Cr (STUL), 6000 Cr (SCF) proposed.
• Number of locations/branches: 250 actual; 325 proposed.
• Revenue (NII + fee income): 243 Cr (BL+DL), 224 Cr (STUL), 5 Cr (SCF) actual; 297 Cr (BL+SL), 250 Cr (STUL), 44 Cr (SCF) proposed.
• PBT: 80 Cr (BL+DL), 80 Cr (STUL), 2 Cr (SCF) actual; 216 Cr (BL+DL), 63 Cr (STUL), 60 Cr (SCF) proposed.
• Credit cost: 2.02% (BL+DL) actual vs 1.6% proposed; 4.51% (STUL) actual vs 4.2% proposed.
• ROA: 3% (BL+DL), 3% (STUL), 2% (SCF) across actual and proposed values shown.
• ROE: 7.35% (BL+DL) actual vs 10% proposed; 12% (STUL) actual vs 14% proposed.
• Quality/GNPA: 4% (BL+DL), 6% (STUL), 1% (SCF) across the values shown.

Organization overview

Aditya Birla Capital Limited is registered with the RBI as a systemically important, non-deposit-taking NBFC. It operates across India and offers lending solutions for retail, HNI, MSME, and mid-to-large corporate customers. Its lending portfolio includes secured and unsecured products such as retail loans, business loans, loans against property, lease rental discounting, construction finance, SME lending, supply chain finance, capital markets loans, and infrastructure finance. The company also has a wealth management business and holds strong credit ratings from leading rating agencies.

Additional notes

The source document also mentions that the role is built around supporting financial inclusion, improving turnaround times through technology adoption, and coordinating across sales, risk, and operations to ensure efficient credit delivery and strong portfolio management.