Area Credit Manager SCF Pune

Business

Financial Services

Unit

Adity Birla Capital Limited

Location

Pune

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

1) Job Purpose: Write the purpose for which the job exists (in 2-3 lines)

• 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

3) Job Context & Major Challenges: Write the specific aspects of the job that provide a challenge (internal and external) to the jobholder in the context of the Business/Unit/Function/Department/Section

4) Key Result Areas: Write the key results expected from the job and the supporting actions for each of these key result areas (For a majority of jobs typically there could be 4- 7 key result areas)

Key Result Areas

Supporting Actions

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 totake actionagainst defaulting parties
• Ensuring that the audit teams across like concurrent PAR & external are responded ona timelybasis.
• 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 relationshipswith 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

5) Job Purpose of Direct Reports: Describe the job purpose of the direct report/s to the job (in 2-3 lines for each report)

Supply Chain Finance:

• Assist in evaluating credit proposals by analyzingfinancial GST data and banking information of vendors/ 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 creditproposals 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.

6) Relationships: Describe the nature and purpose of most important contacts or relationship (except superior/team members) with individuals departments organizations inside and outside of the organization that job is required to interact with in order to deliver the job objectives

Relationship Type

Frequency

Nature

Internal

External

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