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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
- Policy for appointment of Statutory Auditors
- ABCL NRC Policy
- Corporate Social Responsibility
- Fair Practices Code
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Job Description
Vertical Head - Credit Risk
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Job Description
Job Purpose
Responsible for monitoring and tracking the portfolio¿s of the respective ABFS businesses and help build strong credit monitoring systems at the central risk level
Job Context & Major Challenges
Job Context:
verticals, including life insurance, insurance broking, mutual funds, private equity, security based lending, factoring, insurance advisory services, retail broking and distribution of third party products.
The Eight companies representing Aditya Birla Financial Services Group are Birla Sun Life Insurance Company Ltd., Birla Sun Life Asset Management Company Ltd., Aditya Birla Capital Advisors Pvt. Ltd., Aditya Birla Money Ltd., Aditya Birla Money Mart Ltd, Aditya Birla Finance Ltd. ,Birla Insurance Advisory & Broking Services Ltd and Aditya Birla Infrastructure Fin Ltd.
The ABFSG is committed to being a leader and role model in a broad based and integrated financial services business. Its 8 lines of businesses, with over 5.5 million customers manages assets worth USD 18 billion approximately and prides itself for having a talent pool of over 16,000 committed employees. ABFSG has its wings spread across more than 500 cities in India through 1600 branches and over 200,000 channel partners. This allows ABFSG to offer its customers virtually anything other than a savings or current account. With over a billion dollar in revenue, ABFSG is a significant non-bank player and one of the few players who have a top 5 position in both life insurance and mutual funds
Job Challenges:
1. The credit analyst would need to be conversant with all Bank lending products and have working knowledge of risk mitigation and assessment techniques;
2. The Credit Manager should have in-depth experience in analyzing infrastructure proposals and project finance deals;
3. He / She should build network and sources of connectivity with the respective business units, to ensure effective formal and informal channels of information flow at the ground level;
4. The person must possess a strong communication capability with an effective ability to articulate risk views on the subject;
Key Result Areas
| KRA (Accountabilities) (Max 1325 Characters) | Supporting Actions (Max 1325 Characters) | |
|---|---|---|
| KRA1 | Credit Risk assessment | 1. Evaluate new business proposals from credit risk point of view. Advice appropriately using risk mitigation and assessment techniques; 2. Derive maximum information from all primary and secondary sources of information available (including client visits/ factory visits); |
| KRA2 | Credit Risk Management | 1. Grasp and analyze the risk of ad-hoc transactions / complex structures / new products and should be able to unearth all potential risks (including legal, regulatory, operational etc.) underlying the transaction. 2. Assist the Credit head in preparing the risk assessments for credit committee approvals; |
| KRA3 | Internal customer expectation management | 1. Build network and sources of connectivity with the respective business units to ensure effective formal and informal channels of information flow at the ground level; 2. Process, evaluate and execute business proposals well within defined TAT. 3. Provide quality inputs to BUs business proposals 4. Develop a strong communication capability with an effective ability to articulate risk views on the subject. |
| KRA4 | Management reporting & MIS | Reporting of progress, update, escalation to management as per defined guidelines / intervals |
7 - 12 years
Post Graduate
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HDFC Bank Relationship
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Third Party Distribution
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AB Housing Finance Limited
Aditya Birla Sun Life AMC Ltd
Aditya Birla Capital Limited
Aditya Birla Capital Limited
AB Sun Life Insurance Co Ltd
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Direct Marketing
AB Housing Finance Limited
Aditya Birla Capital Limited
AB Housing Finance Limited
AB Housing Finance Limited
AB Housing Finance Limited
AB Housing Finance Limited
AB Housing Finance Limited
AB Housing Finance Limited
Aditya Birla Sun Life AMC Ltd
Aditya Birla Capital Limited
Aditya Birla Sun Life AMC Ltd
Aditya Birla Capital Limited
AB Housing Finance Limited
AB Sun Life Insurance Co Ltd
Aditya Birla Capital Limited
Aditya Birla Capital Limited
Aditya Birla Capital Limited
AB Housing Finance Limited
AB Housing Finance Limited
Aditya Birla Capital Limited
AB Sun Life Insurance Co Ltd
AB Sun Life Insurance Co Ltd
AB Housing Finance Limited
Aditya Birla Capital Limited
Aditya Birla Capital Limited
Aditya Birla Sun Life AMC Ltd
Aditya Birla Sun Life AMC Ltd
Aditya Birla Capital Limited
AB Housing Finance Limited
AB Housing Finance Limited
AB Sun Life Insurance Co Ltd
AB Housing Finance Limited
AB Housing Finance Limited
Aditya Birla Capital Limited
AB Housing Finance Limited
AB Housing Finance Limited
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Aditya Birla Capital Limited
Third Party Distribution
AB Housing Finance Limited
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AB Housing Finance Limited
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AB Housing Finance Limited
AB Housing Finance Limited
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Aditya Birla Capital Limited
Aditya Birla Capital Limited
AB Sun Life Insurance Co Ltd
Aditya Birla Capital Limited
Aditya Birla Capital Limited
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AB Sun Life Insurance Co Ltd
HDFC Bank Relationship
AB Housing Finance Limited
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AB Housing Finance Limited
AB Housing Finance Limited
Aditya Birla Capital Limited
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Third Party Distribution
AB Housing Finance Limited
Aditya Birla Capital Limited
