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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
- Policy for appointment of Statutory Auditors
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Job Description
Lead : Risk Monitoring - CF
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Job Description
Job Purpose
Implementation of risk management processes at the ground level for the construction finance business, gaining a thorough understanding of the project and developer, and reviewing the credit memos prepared by the Credit Manager – CF to assess the project viability and proposal structure as per the ABHFL risk parameters and customer requirements. The analyst will also have to track the progress of the project to ensure that the disbursement milestones are achieved. Key activities are analysis of project viability assessment of market information and developer financials along with monitoring disbursement as per the project lifecycle.
Job Context & Major Challenges
Job Context/ Job Challenges:
Organizational Context
Key Aspects:
Part of the Aditya Birla Housing Finance Limited (ABHFL) is registered with the National Housing Bank as a housing finance company under the National Housing Bank Act, 1987. The company offers a complete range of housing finance solutions such as home loans, home improvement, and home construction loans, balance transfer and top-up loans, and loans against property and construction finance. The company acquired its license on 9th July 2014 and has aggressive growth plans.
Job Context
Key Aspects:
In construction finance, underwriting focuses not on the balance sheet but significantly on the project and the promoter group. Portfolio monitoring involves timeliness of completion, saleability of projects, and track record with other lenders. Project monitoring and end-use of funds disbursed are critical here given risks around funds being used elsewhere, sale receivables not coming to the lender as repayment, and so on. Prudent customer selection is critical and is highly dependent on a relationship manager’s market awareness and client background information.
To help in creating a not only Monitoring Strategy plan for the region/location but also implementing the same aimed at effective risk management and customer service.
To establish an effective repository of day-to-day project data, updating the same on a real-time basis to overcome any stress signal in the specific case to help in creating a book of the desired size for the region.
Considering the highly dynamic market segment, a Person should constantly increase and upgrade local market, financial & operational know-how on industry dynamics.
Effective relationship building and efficient real-time processing of information for maintaining relationships with multiple stakeholders in the organization including sales, credit, risk, compliances, operations, banks, and customers while ensuring portfolio health and quality.
Loan approvals entail a good mix of profile checks, balance sheet lending, and collateral assessment.
In-depth understanding of the customer’s business model, customers & suppliers, success factors, and dependencies needs to be considered given these are large exposures.
The financials are assessed to understand the repayment capability in the near and long term.
Key Challenges
Being one of the most preferred asset classes in the lending space today lends this business the immense challenge of competing with all FIs / banks in a highly price-sensitive target segment.
Collateral assessment is another complex part of the monitoring process involving checking the structural stability, marketability, valuation, regulatory/local body compliance, and legal veracity – all to ensure the property can be liquidated to repay the loan if required in case of customer default.
Enabling Skill Sets & Qualifications
The critical skill sets required to meet these challenges are Building builder relationships, experience in Real estate debt or equity business credit and project monitoring, superior analytical, communication & presentation skills, and Real estate market network.
The education & experience required to fulfill this profile are a graduate (Graduate/ Postgraduate MBA) with minimum 3 to 5 yrs. of experience in the Real estate lending space and monitoring.
Key Result Areas
| KRA (Accountabilities) (Max 1325 Characters) | Supporting Actions (Max 1325 Characters) | |
|---|---|---|
| KRA1 | Publishing of Monitoring Reports- CF | Tracking and monitoring of the cases within the Construction Finance portfolio which includes the following Activities- • Approving daily escrow transfer, • NOC issuance, • Recovery of shortfalls and monitoring of loan repayments • Tracking of sanction covenants as approved including ISRA/DSRA • Tracking PDD's etc. Escrow Account monitoring and reporting within timelines |
| KRA2 | Publishing of Monitoring Reports- CF | Circulating Monthly/Quarterly monitoring reports of the CF portfolio Monthly/Quarterly Monitoring reports to be shared with management within the timelines |
| KRA3 | Audit | • One-point contact from risk for assisting and ensuring closure of Statutory / Internal / Process Audit /Concurrent Audit (If any) with respect to CF cases • To draft management responses and finalization of the same To ensure timely resolution of internal and external audit queries |
| KRA4 | PDD | Monitoring PDD documents and other compliances pending at the time of disbursement, getting the same complied within the target timelines. |
| KRA5 | Learning & Growth & Process Improvement | • Job enrichment & Training initiatives were taken during the year for self, Business, etc. • Initiatives taken and implemented during the year resulting in cost savings, process improvement, customer benefit, etc. Other Initiatives are not limited to ideas submitted and implemented through Kaizen, Eureka, and other platforms. |
6 - 8 years
Graduate Diploma
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