Area Credit Manager - SCF - Pune

Aditya Birla Group
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📍 Pune, Maharashtra, India
Credit Risk & Compliance Under Writing

About this role

Basic Details: Fill the required information about business, unit, location, position, reports to position and date of updation of JD  

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  

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

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 

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.

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 relationships?with 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/dealers.Preparation 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



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.

7) Organizational Relationships: Provide the structure for a level above and below the position for which this job description is written. Use position titles in the structured and indicate all the reports of the position.

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



Frequently Asked Questions

Is the salary disclosed for the Area Credit Manager - SCF - Pune position at Aditya Birla Group?
The salary for this Area Credit Manager - SCF - Pune role at Aditya Birla Group is not publicly listed. Click "Apply Now" to learn more about the compensation package on their official careers page.
Where is the Area Credit Manager - SCF - Pune position at Aditya Birla Group located?
This Area Credit Manager - SCF - Pune role at Aditya Birla Group is based in Pune, Maharashtra, India. The position is listed as on-site or hybrid. Check the full job description or apply directly to confirm the work arrangement.
How do I apply for the Area Credit Manager - SCF - Pune position at Aditya Birla Group?
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When was the Area Credit Manager - SCF - Pune job at Aditya Birla Group posted?
This Area Credit Manager - SCF - Pune position at Aditya Birla Group was posted on Aug 4, 2026. Apply as soon as possible — early applications are often reviewed first.
Area Credit Manager - SCF - Pune
Aditya Birla Group
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