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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 CrFind customised home loan solutions for your unique needs
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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
Financial and Debt-Related Policies
Business and Partnership Policies
Money management made easy
Understanding direct and indirect taxes
Know how to plan retirement well
Insurance and it's aspects for laymen
Investments and their jargon - simplified
Know all about loans and their management
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Life Insurance
Health Insurance
Home Finance
Personal Finance
| 4) Principal Accountabilities |
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| Accountability |
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| Supporting Actions |
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Sales Growth & Client Acquisition |
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| o | Actively participate in initiatives and contests driven by Business Development teams |
Operational Effectiveness | o | Work with dual focus on sales volume and value (IRR) through the team |
| o | Track & ensure SLA adherence, sales efficiencies and ROI |
| o | Adopt prescribed improvements in processes and best practices in order to enhance operational productivity and suggest improvements as well |
| o | Analyze and communicate operational information periodically as per agreed timelines and MIS formats for disbursements, profits, NPAs, channel expansion, new product launches, new branches, new channel development, etc. and communicate to RSM as well as down the line |
Distribution & Market Expansion | o | Develop and strengthen distribution network through liaising and networking efforts, considering product positioning and competitive pressures |
| o | Scan the market and its competitive offerings on a periodic basis; report on emerging trends and business opportunities for the unsecured segment |
| o | Engage with DSA channel network and execute the agreed touch point management system for faster customer connectivity and loan processing-disbursement; escalate issues appropriately for timely resolution |
Customer Servicing & Relationship Management | o o | Coordinate with risk and operations teams to execute robust, customer friendly loan approval and booking processes Recommend improvements to operating procedures and technological tools to enhance customer experience through reduced processing TATs while simultaneously ensuring compliant operations |
| o | Ensure customer queries/ complaints are addressed in a timely and effective manner and coordinate personally to expedite the same |
| o | Leverage close direct customer relationships to carry out post sanction surveillance and generate early warning signals on NPAs |
Risk Management | o | Execute compliant Sales Operations and work in line with risk management principles via coordination with Risk team |
| o | Ensure closure of deal documentation and credit administration requirements, including opening of escrow accounts for receivables lending in line with regulatory and financial controls requirements |
| o | Support risk management by maintaining focus on prescribed guidelines and process checks at all stages of the unsecured loan transaction and raising potential alarm cases in advance |
| o | Proactively identify and report risks in order to ensure portfolio quality is maintained |
| o | Liaise with the channel partners, customers and the risk team on specific escalation cases |
Internal Stakeholder Management | o o | Partner with peer ASMs and reporting SMs (if any) to overcome challenges and support sales growth via effective channel management, customer acquisition Proactively build and maintain relationships with key internal stakeholders (E.g. Operations, Risk Management) for smooth and efficient transactions and issue resolution |
4 - 8 years
Under Graduate