Senior Credit Analyst

Aditya Birla Group

India

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Job Description

Job Purpose

Job Purpose Description

Job Context & Major Challenges

Job Context:/Job Challenges:As the debt arm of Aditya Birla Capital Limited (ABCL), Aditya Birla Housing Finance Limited (ABHFL) 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 exceeds that of several mid-sized Banks and NBFCs.
Aditya Birla Housing Finance Limited (ABHFL), a subsidiary of Aditya Birla Capital Limited (ABCL) is a fast-growing housing finance company (HFC) in India. ABHFL is registered with NHB as a non-deposit accepting housing finance company and had commenced operations in October 2014.

With a net worth of Rs.9,237 million and lending book value at Rs.91,761 million as on 30th June, 2018, ABHFL has significantly expanded its footprint to 51 branches and over 3100 channel partners, as of 30th June 2018.

Key Result Areas

	KRA (Accountabilities) (Max 1325 Characters)	Supporting Actions (Max 1325 Characters)
KRA1	To appraise the credit note for lending proposals for approval / decision at the local level or further recommendation for approval/ decision to CRO/CC level	Meeting with developers and site visit to understand the viability of their projects, in terms of project scale, progress and financials Provide inputs towards the structuring of the deal from risk perspective, ensuring compliance with internal risk and external regulatory requirements
KRA2	Process Management	Ensuring that end to end processes are followed as per the SOPs as defined for CF at the local assessment level