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Aditya Birla Capital Limited (“ABCL”) is a listed systemically important non-deposit taking Non-Banking Financial Company (NBFC) and the holding company of the financial services businesses. ABCL and its subsidiaries/JVs provides a comprehensive suite of financial solutions across Loans, Investments, Insurance, and Payments to serve the diverse needs of customers across their lifecycles. Powered by over 63,750 employees, the businesses of ABCL have a nationwide reach with over 1,712 branches and more than 200,000 agents/channel partners along with several bank partners.
Nationwide Branches
1,712
No. of Employees
63,750+
Agents/Channel Partners
2,00,000+
Aggregate Assets
INR 5.50 Lakh Cr
Active Customer Base
39 Million
Consolidated Lending Book
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Aditya Birla Capital Limited
Aditya Birla Capital Limited (“ABCL”) is a listed systemically important non-deposit taking Non-Banking Financial Company (NBFC) and the holding company of the financial services businesses. ABCL and its subsidiaries/JVs provides a comprehensive suite of financial solutions across Loans, Investments, Insurance, and Payments to serve the diverse needs of customers across their lifecycles. Powered by over 63,750 employees, the businesses of ABCL have a nationwide reach with over 1,712 branches and more than 200,000 agents/channel partners along with several bank partners.
Nationwide Branches
1,712
No. of Employees
63,750+
Agents/Channel Partners
2,00,000+
Aggregate Assets
INR 5.50 Lakh Cr
Active Customer Base
39 Million
Consolidated Lending Book
INR 1.78 Lakh CrCorporate Governance Policies
Financial and Debt-Related Policies
Business and Partnership Policies
Money management made easy
Understanding direct and indirect taxes
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Know all about loans and their management
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| 1) 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) |
Organization Context: Aditya Birla Capital Limited. ABCL is registered with RBI as a Systematically Important Non-Deposit accepting Non-Banking Finance Company (NBFC). ABCL is one of the top private diversified NBFCs in India. As of 31-Mar’25, ABCL has a pan-India presence with 450 branches and a lending book of Rs. 1.2 Lack Crores.
ABCL offers end-to-end lending solutions to a diverse set of customers - Retail, HNI, MSMEs, and Mid & Large Corporates through secured as well as unsecured loan products. The diverse range of lending products includes Retail Small Ticket Secured and Unsecured Loans, Unsecured Personal Loans, Unsecured Business Loans, Health & Education Loans, Digital B2B2C and B2B2B Small Ticket Loans, Small Business Secured Loans, Loans Against Property (LAP), Lease Rental Discounting (LRD), Construction Finance (to Real Estate Developers), SME Loans, Capital Markets Loans (Loan Against Shares), Supply Chain Finance, Mid and Large Corporate Loans, and Infrastructure Finance loans. ABCL also has a Wealth Management division.
ABCL is rated “AAA” by India Ratings, ICRA and CARE (reaffirmed in 2020). ABCL secured the ABG Business Excellence Award in 2017 (Silver), and 2015 (Bronze), and multiple other Awards on forums like CII.
Business Context: The Credit Function at ABFL plays a pivotal role in enabling responsible retail lending across a vast and diverse geographical footprint. With over 420 branches covering 12,500+ pincodes, the team supports exponential customer growth driven by both direct channels and lending service partnerships. This expansion demands robust credit evaluation and risk management capabilities.To meet the scale and speed of operations, the department has embraced advanced technology, including new APIs, STPs, Go-No-Go frameworks, and BREs under the Lentra Revamp Project, enabling faster turnaround and data-driven decisions. Analytics and data science are deeply embedded in underwriting, leveraging predictive models based on personal, financial, demographic, and bureau data. The Credit team also supports digital sourcing, especially in Supply Chain Finance, and is aligned with ABFL’s strategy to penetrate Tier 3 to Tier 5 cities, ensuring financial inclusion. With new growth areas like Education Loans and Two-Wheeler Financing, the function is central to ABFL’s mission of expanding its retail loan bouquet across India’s urban and emerging markets. As part of a top-tier NBFC with AAA credit ratings and ?1.30 lakh crore AUM, the Credit Function must navigate regulatory changes, manage credit costs, and maintain portfolio quality while supporting the company’s role in India’s journey toward a USD 5 trillion economy. The role demands collaboration across Sales, Risk, and Operations to ensure efficient credit delivery and sound portfolio management
Job Context The Credit function for Secured Loans in an NBFC setup plays a critical role in enabling access to medium and long-term financing for small businesses and individuals through products like Small Ticket Secured Lending (STSL) and Micro LAP (MLAP). These loans are backed by collateral and require thorough credit evaluation to ensure portfolio hygiene and risk control. The function is responsible for assessing creditworthiness using both quantitative and qualitative parameters such as business size, earnings, liquidity, and management quality. In a rapidly evolving financial landscape, the credit team must institutionalize robust approval processes, engage effectively with sales teams for complete documentation, and ensure seamless adoption of credit frameworks. Technology integration is key to improving turnaround times (TAT), enabling predictive risk assessment, and building a high-quality portfolio. The function also monitors key performance indicators and collaborates with stakeholders to ensure timely regularization of margin shortfalls and safety of financed amounts. Continuous process improvement initiatives are essential to enhance Return on Assets (ROA), manage costs, and maintain compliance with regulatory standards and fraud risk controls.
Key Challenges:
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| 2) 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 | Supporting Actions |
Credit Underwriting Management |
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Process Improvements |
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Portfolio Management |
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Business Growth |
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Team Development |
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| 4) 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 |
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Internal |
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| Ongoing
Ongoing Ongoing Monthly Quarterly |
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External |
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| Fortnightly
Need based |
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4 - 12 years
Under Graduate