Job Description

Job Description

Enriching Lives Winning as ONE

ABC Company Info:

Aditya Birla Capital Limited (ABCL) is the holding company for the financial services businesses of the Aditya Birla Group.With subsidiaries/JVs that have a strong presence across Protecting, Investing and Financing solutions, ABCL is a financial solutions group that caters to the diverse needs of its customers across their life cycle. Powered by more than 38,000 employees, the businesses of ABCL have a nationwide reach with over 1300 branches, more than 2,00,000 agents/channel partners and various bank partners.

What makes an ideal ABC Citizen

At ABC, we are constantly on the lookout for individuals who resonate with our 5 core values of Speed, Passion, Integrity, Seamlessness and commitment and live them every day, while also understanding our vision. We believe in building leaders who thrive on challenges, take the onus of creating and sustaining strong teams, and forms strong networks as a result of effective relationship-building.

Role Details:

Business	Aditya Birla Capital
Unit	Aditya Birla Capital Limited
Location	Mumbai
Role	Senior Credit Manager
Department	Credit - Wholesale Solutions
Eligibility Criteria	CA/ MBA

Required Skills & Competencies

Analytical thinking and attention to detail.
Investigative and fraud detection skills.
Integrity and strong ethical standards.
Effective communication and reporting.
Process orientation and innovative mindset.
Networking and stakeholder management.
Ability to conduct training and awareness sessions.
Flexibility for travel and on-ground investigations.
Technical proficiency in MIS and fraud systems.

Key Responsibilities:

Key Result Areas (Max 1325 Characters)	Supporting Actions (Max 1325 Characters)
To prepare documentation highlighting the viability of credit lending proposals based on institutionalized processes and dynamic market information	To take up decision proposals within delegated authority Following the developed formats and norms for approval, ensure their ratification within the team and from approval authorities in the system and institutionalize the prescribed process To ensure revert back to the sales teams with analysis of the broad parameters for considering or not considering the given proposal To engage with the Channel partners, DSAs and other distributors in understanding the proposals submitted and extracting the relevant supporting information To suggest measures for ensuring workability of the loan proposals to the RMs, keeping risk in check like suggesting risk mitigation for the identified risks To continuously update the sales teams on the broad parameters for validating lending proposals, provide regular trainings to RMs for the same
To ensure efficient Turnaround time (TATs) for validating the proposals	To ensure prompt resolution/ explanation of queries raised by sanctioning authorities
To regularly provide inputs for new products, processes & credit lending norms	To provide inputs and suggest amendments for various lending norms like Risk Matrix, Interest Rate Policy, Credit Authorization Matrix, Risk Universe, Newer Product Policy, Processses to be adopted keeping the current regulatory and compliance environment To undertake improvements in approval notes and other processes to meet dynamic market environment and needs of new customer segments
To perform portfolio monitoring and analytics for effective risk monitoring	To monitor the C&I portfolio performance by continual analysis of fundamentals & reviewing the ratings, analyze the covenants and evaluate industry performance in that sector To devise various analytical tools to measure the portfolio health from various angles and highlight early warning signals To review the covenants of loan proposals at frequent intervals and undertake action for serious deviations To review reports and analytics on repayment schedules, covenant monitoring, modification in terms and loan sanction, etc Protect from potential loss on the credit portfolio by detecting early warning signals of deteriorating risks and advising these to the Relationship Managers and senior management.
To construct, monitor and highlight MIS to the business head and the RMs for better business understanding	To monitor the status of all important initiatives with the RMs and update them, support the RMs for closure To report sales vs. budget variations & review trends and provide inputs for various presentations

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Disclaimer

Aditya Birla Capital is committed to provide equal opportunity to all in employment and prohibits discrimination or harassment in any form on the basis of race, colour, religion, ethnicity, age, gender, disability or any other characteristic protected by law. Diversity, Equity and Inclusion (DEI) is embedded in our recruitment policies based on our business needs and candidates meeting the eligibility criteria such as qualification, skills and experience.

Important

Aditya Birla Capital and its member companies do not demand or accept money from job applicants.
Any job offer made against a service charge or security deposit or processing fees or background verification expenses or any other terms, whether refundable or non-refundable should be considered fake.
An authentic job offer mail from us will have our domain name (adityabirlacapital.com).
Please be aware of fraudsters using fake URLs to mask themselves as senders from reputed organisations. Hence always check and verify the email ID.
Any mail offering a job, interview date and asking for personal details should be handled with caution, especially if the mail address list also includes email IDs ending with Gmail/Yahoo/Hotmail/Live domains.
In case a job applicant is offered a job against payment in any form, or has accepted employment from fraudulent persons,Aditya Birla Capital and its member companies will NOT be held liable and responsible for any consequences thereof.
Please remain vigilant of such offers and notify us.You may also lodge a complaint with the law enforcement agencies.
Beware of fake websites, email IDs, Facebook, LinkedIn pages that appear similar to ours.
We reserve the right to initiate any appropriate action as we deem fit.

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