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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
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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
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Investments and their jargon - simplified
Know all about loans and their management
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| 1) Job Purpose: Write the purpose for which the job exists (in 2-3 lines) (Max 1325 Characters) |
The Area Technical Manager role is to contribute to mortgage risk management by ensuring that properties held as security for mortgages, home Loans and construction Finance are marketable and identifying and evaluating associated risks, to prepare and monitor the MIS for capturing the behavior of the portfolio and the quality of security and to effectively monitor the technical vendors to ensure that the quality of technical reports and TATs are adhered to. |
2) Dimensions: Mention quantitative or qualitative parameters that are relevant for the job and provide a better understanding of the scope and scale of the job. | ||||||||||||||||||||||||
Business Workforce Number | 62 |
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Other Quantitative and Important Parameters for the job: Budgets/ Volumes/No. of Products/Geography/ Markets/ Customers or any other parameter |
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| 3) Job Context & Major Challenges: Write the specific aspects of the job that provide a challenge (internal and external) to the jobholder in the context of the Business/Unit/Function/Department/Section (Max 3975 Characters) |
Organization Context: Aditya Birla Capital Limited. ABCL is registered with RBI as a Systematically Important Non-Deposit accepting Non-Banking Finance Company (NBFC). ABCL is one of the top private diversified NBFCs in India. As of 31-Mar’25, ABCL has a pan-India presence with 450 branches and a lending book of Rs. 1.2 Lack Crores.
ABCL offers end-to-end lending solutions to a diverse set of customers - Retail, HNI, MSMEs, and Mid & Large Corporates through secured as well as unsecured loan products. The diverse range of lending products includes Retail Small Ticket Secured and Unsecured Loans, Unsecured Personal Loans, Unsecured Business Loans, Health & Education Loans, Digital B2B2C and B2B2B Small Ticket Loans, Small Business Secured Loans, Loans Against Property (LAP), Lease Rental Discounting (LRD), Construction Finance (to Real Estate Developers), SME Loans, Capital Markets Loans (Loan Against Shares), Supply Chain Finance, Mid and Large Corporate Loans, and Infrastructure Finance loans. ABCL also has a Wealth Management division.
ABCL is rated “AAA” by India Ratings, ICRA and CARE (reaffirmed in 2020). ABCL secured the ABG Business Excellence Award in 2017 (Silver), and 2015 (Bronze), and multiple other Awards on forums like CII.
Business Context: The Credit Function at ABCL plays a pivotal role in enabling responsible retail lending across a vast and diverse geographical footprint. With over 420 branches covering 12,500+ pincodes, the team supports exponential customer growth driven by both direct channels and lending service partnerships. This expansion demands robust credit evaluation and risk management capabilities. To meet the scale and speed of operations, the department has embraced advanced technology, including new APIs, STPs, Go-No-Go frameworks, and BREs under the Lentra Revamp Project, enabling faster turnaround and data-driven decisions. Analytics and data science are deeply embedded in underwriting, leveraging predictive models based on personal, financial, demographic, and bureau data. The Credit team also supports digital sourcing, especially in Supply Chain Finance, and is aligned with ABFL’s strategy to penetrate Tier 3 to Tier 5 cities, ensuring financial inclusion. With new growth areas like Education Loans and Two-Wheeler Financing, the function is central to ABFL’s mission of expanding its retail loan bouquet across India’s urban and emerging markets. As part of a top-tier NBFC with AAA credit ratings and ?1.30 lakh crore AUM, the Credit Function must navigate regulatory changes, manage credit costs, and maintain portfolio quality while supporting the company’s role in India’s journey toward a USD 5 trillion economy. The role demands collaboration across Sales, Risk, and Operations to ensure efficient credit delivery and sound portfolio management
Job Context Area Technical Manager role is an integral part of the Risk & compliance & is responsible for carrying out due diligence for the underlying security i.e. Real Estate Property and ensure that all information required to take a credit decision w.r.t. real estate property be provided to higher management. He is also responsible for maintaining TAT. The key aspect of due diligence is that underlying security i.e. real estate properties are compliant with local statutory norms & regulations & falls under acceptable norms as per ABCL as well as RBI. He is also responsible for providing and keeping updates about changes happening in statutory rules & regulations related real estate properties, real estate property rate movements, demand-supply analysis, impacts of economic changes on real estate property etc. In all he has to provide inputs related to real estate property to higher management which will help them in decision making to improvise TATs of the overall sanction process.
Challenges The major challenges to this profile include
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.
The education & experience required to fulfil this profile are a Civil Engineer with minimum 7 – 10 yrs of experience. Total experience should be of good mix of construction as well as valuation. Valuation experience with Banks or NBFCs is preferably. |
| 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 | Supporting Actions |
Collateral risk management |
Trainings- To Risk / Business & Valuers |
Customer perspective |
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Process efficiency perspective |
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Audit & Hind sighting |
Carrying out monthly audit for sampled valuations, lease rentals for respective locations. |
Oversee the development and upkeep of an MIS for technical information To prepare regular MIS for areas under risk management and give presentation to various stakeholders |
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| 5) Job Purpose of Direct Reports: Describe the job purpose of the direct report/s to the job (in 2-3 lines for each report) |
Technical Manager (TM): |
| 6) Relationships: Describe the nature and purpose of most important contacts or relationship (except superior/team members) with individuals, departments, organizations inside and outside of the organization, that job is required to interact with in order to deliver the job objectives | ||
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4 - 15 years
Under Graduate