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ABCL
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 68,400 employees, the businesses of ABCL have a nationwide reach with over 1,740 branches and more than 200,000 agents/channel partners along with several bank partners.

Nationwide Branches

1,740

No. of Employees

68,400

Agents/Channel Partners

2,00,000+

Aggregate Assets

INR 5.91 Lakh Cr

Consolidated Lending Book

INR 2 Lakh Cr
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Job Description

Aditya Birla Capital Limited

Area Credit Head-Lucknow

Location: Shalimar Logix,Lucknow, Uttar Pradesh
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Job Description

4) 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  (Max 1325 Characters)

Supporting Actions (Max 1325 Characters)

Portfolio Management

  • Regularly Review & Monitor the Portfolio of the region. Bring in the expertise of identifying the grey areas which need immediate attention of the management. Track the movement of the portfolio is in-line with management mandate.
  • Quality is measured by delinquency, bounce rates, loss numbers, RCR and File quality scores are key deliverables

Business & Financial Management

  • ·       Calibrate the capacity plan in line with business needs
  • ·        Identify and act upon various risk arising out of credit/process activities
  • ·       Risk mitigation- bureau/rating agencies/collection reports to be reviewed
  • ·       Do periodical stress tests to ensure necessary actions are taken in markets having sharp        movement in real estate prices
  • ·       Track and react to external influence on portfolio Bureau/rating agencies 

Customer Focus

  • ·       Take decisions which are aligned to the management directive keeping customer in mind
  • ·       Bring in the efficiency in the system by enabling decisions being taken within defined timelines
  • ·       Understand the Prime LAP business in smaller towns       say tier 3 – 4 markets

People/Team Management

  • Effective training and timely communication of policy & underwriting standard
  • ·       Manage and supervise direct reports with continuous engagement on portfolio performance, process controls and supervisory review
  • ·       Interaction with business and allied teams to incorporate changes

Strong interpersonal skills to manage team size of 10+ risk managers

Capable to mentor 3 - 4 middle layer Managers towards progressive career path

Productivity Management & Improvement

  • Productivity and its management is the key deliverable
  • Quality is measured by no of files managed on monthly basis
  • Initiatives for improving the productivity at every level is also one of the key deliverables

Minimum Experience Level

3 - 10 years

Job Qualifications

Under Graduate

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