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
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
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
Supporting Actions
Credit Underwriting Management
Process Improvements
Portfolio Management
Business Growth / Cross Functional Coordination / Stakeholder Management
Supply Chain Finance
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 reviews and credit approval
Portfolio reviews and portfolio development strategies
Aligning self with the strategies to the organization for implementation of the vision.
Aligning self with the strategies to the organization for implementation of the vision.
External
Existing and Potential Customers
Channel Partners/ DSAs
Fortnightly
Need based
Customer relationship management (CRM) & understanding the market pulse
CRM, commission updates & understanding the market pulse of new initiatives etc.
SIGN-OFF: Provide the name of the Manager and the jobholder. Signature needed for the hard copy of the JD. Hard copy to be maintained in the organizational record.
Job Holder
Reports to – Manager
Name
Date of Entry / Approval
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