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Annexure I : ABG Job Description Template

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

Business Financial Service

Unit ABFL

Location All location

Reports to:
Poornata Position Number
Poornata Position
of the job
Number
Reports to: Zonal Credit Head
Poornata Position Title of Credit Manager/ Sr.
Poornata Position
the job (30 characters max) Credit Manager
Title
Risk Management & Reports to: Risk Management &
Function
Compliance Function Compliance
Risk & Legal Reports to: Risk & Legal (BGFRCFG-
Department
(BGFRCFG-Risk CFG) Department Risk CFG)
Designation of the Credit Manager/ Sr. Designation of the Zonal Credit Head
Employee Credit Manager Manager
Date of writing/updation of
1-Sep-21
JD

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Annexure I : ABG Job Description Template

1) Job Purpose: Write the purpose for which the job exists (in 2-3 lines) (Max 1325 Characters)
To manage all activities pertaining to the sanction life cycle of all borrower accounts in the CFG business
for all short and medium term products. The key responsibilities include thorough underwriting of credit
proposals with the required due diligence; co-ordination with the sales team for resolution of risk
concerns, maintaining Turn Around Time (TAT); interfacing with the Business team & Credit Committee for
faster decisions; Assist Regional Credit Manager and Risk Head for business function, new product
development.
To undertake analysis of the credit proposal based on pre determined criteria and analysis of market
information, current macroeconomic scenario, current portfolio concentration, etc.

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

(Max 254 Characters)

Unit Workforce Number

(Max 254 Characters)

Function Workforce Number

(Max 254 Characters)

Department Workforce Number

(Max 254 Characters)

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 ((Max 3975 Characters)

As the debt arm of Aditya Birla Financial Services Group (ABFSG), Aditya Birla Finance Limited (ABFL)
offers specialized lending and financing solutions in the areas of Capital Markets, Corporate/ Trade
Finance, Commercial Real Estate and Mortgages. Currently ranked within the top 25 NBFCs of India, we
have made significant progress and our balance sheet at INR 15,000 Cr plus exceed that of several mid-
sized Banks and NBFCs.
Underwrite Credit Proposal, Manage High Value Structured Deal, Achieve high turn-around time to
maintain competitiveness, Renewal / Enhancement of existing facility.
To manage all activities pertaining to the sanction life cycle of all borrower accounts in the CFG business for all

HayGroup Job Description Template 2017

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Annexure I : ABG Job Description Template

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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 ((Max 3975 Characters)

short and medium term products. The key responsibilities include thorough underwriting of credit proposals
with the required due diligence; co-ordination with the sales team for resolution of risk concerns, maintaining
Turn Around Time (TAT); interfacing with the Business team & Credit Committee for faster decisions; Assist
Regional Credit Manager and Risk Head for business function, new product development.
To undertake analysis of the credit proposal based on pre determined criteria and analysis of market
information, current macroeconomic scenario, current portfolio concentration, etc.

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)- Maximum 10 KRAs can be updated
Key Result Areas (Max 1325 Characters) Supporting Actions (Max 1325 Characters)

Underwrite Credit Selection - Based on internally defined criterion, analysis of

Proposal information, current macroeconomic scenario & portfolio
concentration, etc
▪ Assessment - Management Risk, Industry Risk, Business Ri
Financial Risk
▪ Structuring – to meet norms and generate internal comfor
lending mechanism. Structure risk mitigants to ensure that
recommended is within the articulated credit risk appetite o
company;
▪ Compliance – Regulatory, Credit Policy and product progra
▪ Reference Checks - Banks / Other lenders / Trade / Compe
suppliers / customers
▪ Visit – meeting with promoter and visit of business premis
▪ Presentation - Capture the strength and weakness with ide
risks and proposed mitigants

Manage High Value Structured Deal

▪ Meeting with promoter of borrower
▪ Understand the purpose of fund requirement
▪ Structuring the deal to fit within regulatory requirement
▪ Structuring the repayment in line with cash flow
• Define the covenants to close monitoring

Achieve high turn-around Effort is made to crash timelines with-out compromise to c

time to maintain quality by:
competitiveness ▪ To approve cases as per the approving authority matrix as
in the policy within defined TAT to ensure customer satisfac
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Annexure I : ABG Job Description Template

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▪ Personal discussion with customers to understand busines
flows, purpose of loan, etc and resolution of credit concerns
▪ Timely submission of proposals
▪ Personal Coordination with proposers and approving auth
ensure timely decision-making

Timely Intimation - Advance intimation to Business

team for proposals due for review and renewals.

Renewal / Enhancement of existing facility ▪ Checking Account Conduct & latest updates to
ensure the fulfillment of the conditions / covenants
stipulated at the time of sanction

On-going surveillance of key concern accounts

▪ Covenants compliance and timely escalation

▪ Quarterly / Half yearly review of the borrowers

Manage asset quality performance

▪ Tracking macro developments affecting portfolio

performance and early warning signal

▪ To work closely with the business team for

recovery and closure of early delinquencies.

Compilation – Co-ordination, Collection and sanity

checking of information desired for preparation of
MIS MIS reports for portfolio monitoring.

▪ Timely preparation & Effective presentation of

MIS reports in precise manner

Mentoring colleagues and subordinates

▪ Keeping the team motivated
Team Management ▪ Cross functional co-ordination in organizational
initiatives
▪ Impart training to the team members on policy
and process changes
Business Support
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Annexure I : ABG Job Description Template

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Help business team to understand the strength &
weakness of the proposal

▪ Timely responding to the requests of Business

team

▪ Support for development of new products and

related parameters / documents

▪ Conduct training and workshops for the sales line.

Leading and Executing Specific Projects Projects to improve process delays

▪ Develop and promote industry specialization.

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)
NA

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 (Max 80 Frequency Nature (Max 1325 Characters)
Characters)
Internal

1. Sales team 1. Daily/ weekly 1. Sales support, branch coordination,

2. Daily document collection etc
2. Risk dept 2. Proposal approvals, interest rate approval,
Daily getting market intelligence
3. Operations dept Client servicing issues, pledge unpledged
details, pricing matrix

External
NA

HayGroup Job Description Template 2017

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Annexure I : ABG Job Description Template

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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
Signature
(needed for
the hard copy)

HayGroup Job Description Template 2017