Unlock Financial Tools, Investment Insights, And Expert Guidance“ All In One Convenient App !
Visit Our ABCD Page
PLAY STORE
APPSTORE
PlayStore
Insurances
INVESTMENTS
LOANS
PAYMENTS
QUICK SERVICES
HEALTH INSURANCE
- Housing Loans
- Personal Finance
- SME & Business Finance
- Gold Loan
- Loan Against Property
- Loan Against Securities
- Corporate Finance
Home Loan
Find customised home loan solutions for your unique needs
Balance Transfer
Find a better interest rate for your existing home loan
Top up Home Loan
Get a loan on your existing home loan to meet your needs
Loan Against Property
Turn your assets into a financial ally
Personal Loan
Meet all your dreams and needs with a collateral-free Personal Loan
Flexi Loan
Make loan repayment flexible and hassle-free with Flexi Loans
Instant Personal Loan
Get quick funds with Aditya Birla Capital Instant Personal Loan
Long Term Personal Loan
Enjoy affordable repayments and a flexible tenure with Aditya Birla Capital
Personal Loan Eligibility
Check your Aditya Birla Capital Personal Loan eligibility
Personal Loan Interest Rates
Enjoy low personal loan interest rates for affordable repayments
Are you eligible for a Personal Loan? Find out now!
Calculate Now
Secured Business Loan
Boost your business with competitive rates & flexible terms
Line Of Credit
Get anytime funds, quick approval, & ongoing support with Line of Credit
Working Capital Demand Loan
Strengthen your business cash flow with quick access to funds & flexible repayment options
Supply chain financing Solution - Invoice Discounting
Improve your cash flow & gain quick access to funds by discounting your invoices
Unsecured Business Loan
Fuel your business with fast approval & flexible terms
Construction Finance
Our solutions with Flexible funding, project requirements to drive construction forward.
Commercial Property Purchase
Turn your property vision into reality with flexible terms and competitive interest rates.
Lease Rental Discounting
Supporting real estate businesses in project completion
Mauris Porta Arcu Id Tortor Pulvinar Cursus. Mattis, Diam Id.
CALCULATE NOWLoan Against Shares
Leverage your investments with Loan Against Shares, while retaining ownership of your assets
Loan Against Mutual Funds
Unlock the value of your investments while keeping your assets intact
Loan Against Life insurance Policy
Get loans for all your business needs at attractive rates
IPO financing
Seize investment opportunities with IPO Financing to help you invest with ease.
Promoter Funding
Empower your business growth with financial solutions to support expansion & ownership
Project Finance
Turn your ideas into reality with flexible funding to support your vision from start to finish
Structured Finance
Unlock customized financial solutions designed to meet the unique needs of complex business projects
Working Capital Demand Loan
Keep your business running smoothly with quick access to funds for day-to-day operations
Term Loan
Achieve your business goals with flexible repayment options & competitive rates for long-term growth
Debt Funds
Diversify your portfolio and reduce risk with Debt Funds
Equity Funds
Invest smartly in Equity Funds to aim for higher returns
Hybrid Funds
Diversify your portfolio and reduce your risk with a mix of equity and debt
Retirement Funds
Goal-oriented fund with a lock-in period to create a corpus for retirement
Children’s Funds
Secure your child’s financial future with solutions-oriented children’s funds
Exchange Traded Funds
Unlock a smart, hassle-free way to invest in various assets
Fund Of Funds
Choose the smart way to diversify risks and grow investments
Index Funds
Follow the benchmark of smart investors to grow your wealth
Calculate wealth creation through lumpsum investment in Mutual Funds
Calculate Now
Equity Trading
Invest or trade in equity for attractive returns and long-term capital growth
Margin Trading Facility
Get up to 5X leverage on leading stocks & increase your trading power
Bonds
Give your portfolio stability with attractive returns
Start trading in equities and other securities. Grow your wealth with our Demat account.
-
Attractive returns
-
-
-
Term Insurance
Bring security and peace to life’s unpredictability
Retirement Plans
Get a guaranteed regular pension plus lump sum on plan maturity
Savings Plans
Get a guaranteed regular pension plus lump sum on plan maturity
ULIP Plans
Get the benefits of insurance & wealth creation in one convenient plan
Find out how much life insurance you need with our Human Life calculator
Calculate Now
Eye Insurance
Protect your vision with comprehensive eye insurance.
Dental Insurance
Protect your smile with comprehensive dental insurance and coverage plans tailored for you.
Hospicash Insurance
Get financial support with our hospital cash insurance for unexpected medical expenses.
Mental Health & Nutrition Insurance
Get the best mental health insurance online with ABCD Aditya Birla Capital today!
Personal Accident Insurance
Secure your future with our affordable personal accident insurance plans.
Pay Bills
Utility bill payments made easy with BillPay
Pay for Anything
Shopping grocery, lifestyle or paying bills, pay anything with our payment solutions
Pay Anyone
Sending money to individuals and businesses made easy and instant
Pay on Call
Pay on call in 3 simple steps by providing your UPI ID
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
- Internal Guidelines on Corporate Governance
- Familiarization Programme for Independent Directors
- Disclaimers
- Ombudsman
- Privacy Policy
- Trademark Policy
- Vigil Mechanism / Whistle Blower Policy
- Regulatory Disclosure
Financial and Debt-Related Policies
Business and Partnership Policies
- Press Releases
- Our Digital Lending Platform Partners
- ABCL Collection and Recovery Agency List
- ABFL Terminated Collection and Recovery Agency List
- Importance of Following Repayment Schedule
- Scheme of Amalgamation
- SEBI Disclosures
- Interest Rates & Service Charges
- Discontinued Service provider list
- Terms & Conditions
- Fraud Awareness
- Archival Policy
Read about Money
Money management made easy
Read about Tax
Understanding direct and indirect taxes
Read about Retirement Plan
Know how to plan retirement well
Read about Insurance
Insurance and it's aspects for laymen
Read about Investing
Investments and their jargon - simplified
Read about Loans and Financing
Know all about loans and their management
Personal Loan EMI Calculator
Estimate your monthly loan repayments with Personal Loan EMI Calculator
Home Loan Eligibility Calculator
Calculate the expected EMI of your loan for easier repayments
BMI Calculator
It measure your leanness or obesity basis your height and the weight.
Income Tax Calculator
Calculate the tax payable by you based on your income
SIP Calculator
Estimate the returns you can earn with your SIP investments
SWP Calculator
Calculate the Life Insurance cover you need to secure your family’s future
Life Insurance
Health Insurance
Mutual Fund
Home Finance
Personal Finance
Stocks & Securities
Job Description
ABCL-Credit Manager- Supply Chain Finance- Chandigarh
SHARE THIS JOB
Job Description
Job Purpose
The role is responsible for assessing credit proposals of all Corporate and Institutional lending businesses of ABFL and getting them approved by the ZCM. The role is also responsible for ensuring proper documentation of the proposals and effectively monitoring the client & collateral creditworthiness from the pre sanction to post disbursement phase while ensuring adherence to legal & documentation norms & policies.
Job Context & Major Challenges
Job Context/ Job Challenges:
Organizational Context:
As the debt arm of Aditya Birla Capital (ABC), Aditya Birla Finance Limited (ABFL) offers specialized lending and financing solutions in the areas of Capital Markets, Corporate/ Trade Finance, Commercial Real Estate, Mortgages, Unsecured Lending, Digital Lending & Wealth management. Currently ranked within the top 25 NBFCs of India, we have made significant progress and our balance sheet would be at INR 60,000 Cr plus by 2020 and would exceed that of several mid-sized Banks and NBFCs.
A well established brand and top 3 player in the Capital Markets space, today our product suite comprises of a well-diversified look, with equal weightage and focus given to the 6 lines of business. Having seen a y.o.y cumulative growth of 50% in both top-line and bottom line, sustainable profitability continues to be the key management agenda.
The company has a well-defined vision of being one of the most reputed and material financiers within the lending space – spread across both retail HNI and corporate clientele. We have made significant investments in our process and system infrastructure towards preparing for the next level of growth and are one of the only financial entities certified for ISO 9001:2008 across all our business processes.
Job Context:
The Corporate & Institutional Group caters to the short term and long term funding needs of the entire spectrum of business segment like large corporates, mid size business,small and medium ( ) enterprises and Corporate supply chains in the country. The is engaged in funding short term and long term needs via a suite of customized short and long tenured products. The Lending portfolio would include products like Working capital funding, Supply chain financing, Term loans, LC discounting and Bill discounting, Loan against Property/ assets, etc
The Credit Manager is responsible for the following:
• Preparing new credit proposals / existing credit exposures which have a high degree of complexity and data volume. To get the credit proposals logged in with ZCM and highlighting the industry, business, financial, management and facility structure risk contained in the credit proposal. The role needs to bring out the collateral and other credit risk mitigation to aid decision / facilitate the approving authority to take decision on the credit proposal.
• Improve the quality of credit evaluation to ensure the portfolio built is value accretive to all the stake holders of the company
• 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.
• Contribute to the growth of business and work to high levels of customer service standards by ensuring that proposals under review are addressed within a committed timeframe without compromising on quality of the asses nt.
• Inculcating a risk culture across the corporate finance group (i.e.) the risk team, credit team and the sales team;
• Provide all the necessary assistance to the business and risk heads to ensure audit of the portfolio is completed to the satisfaction of the auditors and include the learning and recommendations from the audit into the credit / risk appraisal processes;
• Provide information and necessary assistance to the ZCM for review of the portfolio
• Help in preparation of status of the portfolio to the Risk Management Committee for their review and guidance;
• Assist in the budget process in terms of the estimating the NPA provisions and ensuring the provisions are made on monthly basis by constantly reviewing the exposure as to recoverability.
The critical skill sets are a strong analytical acumen, evaluation skills, detail orientation & decision making skills, initiative & target orientation & market intelligence developed through a strong industry network.
Key Result Areas
| KRA (Accountabilities) (Max 1325 Characters) | Supporting Actions (Max 1325 Characters) | |
|---|---|---|
| KRA1 | 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 |
| KRA2 | To ensure efficient Turnaround time (TATs) for validating the proposals | ? To ensure prompt resolution/ explanation of queries raised by sanctioning authorities |
| KRA3 | 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 |
| KRA4 | 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. |
| KRA5 | 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 |
3 - 8 years
Chartered Accountant,MBA
Aditya Birla Capital Limited
AB Sun Life Insurance Co Ltd
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
HDFC Bank Relationship
AB Sun Life Insurance Co Ltd
AB Sun Life Insurance Co Ltd
AB Sun Life Insurance Co Ltd
AB Sun Life Insurance Co Ltd
Aditya Birla Capital Limited
Aditya Birla Capital Limited
Aditya Birla Sun Life AMC Ltd
Aditya Birla Sun Life AMC Ltd
HDFC Bank Relationship
Aditya Birla Sun Life AMC Ltd
Aditya Birla Sun Life AMC Ltd
AB Sun Life Insurance Co Ltd
AB Housing Finance Limited
AB Sun Life Insurance Co Ltd
Aditya Birla Capital Limited
Aditya Birla Capital Limited
Aditya Birla Capital Limited
Aditya Birla Capital Limited
AB Housing Finance Limited
HDFC Bank Relationship
AB Housing Finance Limited
Aditya Birla Capital Limited
AB Sun Life Insurance Co Ltd
Aditya Birla Capital Limited
AB Sun Life Insurance Co Ltd
Aditya Birla Capital Limited
Aditya Birla Capital Limited
AB Housing Finance Limited
Aditya Birla Capital Limited
Aditya Birla Sun Life AMC Ltd
AB Housing Finance Limited
Aditya Birla Capital Limited
AB Housing Finance Limited
AB Housing Finance Limited
Aditya Birla Capital Limited
Aditya Birla Capital Limited
AB Housing Finance Limited
AB Sun Life Insurance Co Ltd
Aditya Birla Capital Limited
Aditya Birla Sun Life AMC Ltd
Aditya Birla Sun Life AMC Ltd
Aditya Birla Capital Limited
HDFC Bank Relationship-Branch Banking
HDFC Bank Relationship
AB Sun Life Insurance Co Ltd
AB Sun Life Insurance Co Ltd
Aditya Birla Capital Limited
ABC Digital Ltd.
Aditya Birla Capital Limited
AB Housing Finance Limited
AB Housing Finance Limited
HDFC Bank Relationship
Aditya Birla Capital Limited
AB Housing Finance Limited
Aditya Birla Capital Limited
AB Housing Finance Limited
HDFC Bank Department
Third Party Distribution
AB Sun Life Insurance Co Ltd
AB Housing Finance Limited
AB Sun Life Insurance Co Ltd
Aditya Birla Sun Life AMC Ltd
HDFC Bank Relationship
HDFC Bank Relationship
