National Credit Head - CF

Business Financial Services Unit Aditya Birla Capital Ltd. Location Mumbai Poornata Position Number of the job Reports to: Poornata Position Number Poornata Position Title of the job National Credit Head SME Insti + CF Reports to: Poornata Position Title Head Credit Wholesale Function Credit Reports to: Function Credit Department Credit Reports to: Department Credit Date of writing/ Updation of JD Jan, 25 1) Job Purpose: Write the purpose for which the job exists (in 2-3 lines) The role leads Credit Risk Management for SME (Institutional) and Construction Finance, ensuring a strong, sustainable loan portfolio while supporting business growth within a robust risk framework. It involves in-depth appraisal and structuring of proposals, approving/recommending transactions within authority, and monitoring portfolio performance with stress testing and early warning identification. The role partners with the Business Head to set strategic focus on products, segments, and markets, ensures compliance with internal policies, regulatory norms, and legal requirements, and provides regular portfolio insights to senior leadership (CRO, CCRO, CEO). 2) Dimensions: The function caters to diverse client profile from different geographies like MMR, Pune, Bangalore, Chennai, Hyderabad, NCR, Kolkata, Ahmedabad, etc. and understanding of different product features, market practices, and different credit assessment methodologies. This role handles book size of more than Rs. 2500-3000 Cr. minimum across all geographies with a team. Given the growth potential, book is expected to double in 2 years. Business Workforce Number 7186 Unit Workforce Number 7186 Function Workforce Number 115 Department Workforce Number 22 Other Quantitative and Important Parameters for the job: Budgets/ Volumes/No. of Products/Geography/ Markets/ Customers or any other parameter Credit SME & CF 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/SectionOrganizational Context Aditya Birla Capital Limited (NBFC) is among the Top 5 diversified non-banking financial services company in India based on AUM. ABC - NBFC offers customized solutions in areas of personal finance, SME finance, SME finance, corporate finance, wealth management, debt capital markets and loan syndication. For the FY ended 31st March 2025, ABC NBFC has a book size of Rs. 1,26,351 Crores and net PAT of Rs 2501 Crores with 6939 employees and 449 branches. During the last 3 years, the AUM & PAT of ABC NBFC has grown at a CAGR of more than 31%, outpacing the growth rates of Top 7 Diversified NBFCs. As a result, ABC NBFC has moved 3 ranks to become 5th largest diversified NBFC in the last 3 years. The SME Finance function at ABCL provides customized lending solutions to self-employed individuals, professionals, and enterprises through products like Loan Against Property, Lease Rental Discounting, Commercial Purchase, and Structured/Mezzanine Debt. It combines in-depth assessment of client profiles, financials, cash flows, and collateral quality to structure long-term exposures responsibly. With a focus on building a high-quality, profitable portfolio, SME contributes significantly to ABCLs overall book size and profitability while competing in a highly price-sensitive market. Job Context The Role caters to diverse financing needs for 1) larger SMEs (non-retail) and 2) Real Estate developers. 1) SME - The business caters to Small and Medium Enterprises with turnover of less than Rs 250 cr and ticket size of the transactions between Rs 7.5 cr to Rs 30-40 cr (average ticket size of Rs 15-20 cr). The book is presently at Rs 8,000 cr across 14 cities with 700 clients, providing customized solutions to growing SMEs across industries and help them meet their working capital and growth finance needs. This requires in depth understanding of the borrower and the local market dynamics. Apart from complex underwriting and structuring the transaction within tight timelines ; understanding of various industries is required fo .