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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. Through its subsidiaries/JVs, ABCL provides a comprehensive suite of financial solutions across Loans, Investments, Insurance, and Payments to serve the diverse needs of customers across their lifecycles. Over 1,482 branches and more than 200,000 agents/channel partners along with several bank partners.

Nationwide Branches

1,482

No. of Employees

59,000

Agents/Channel Partners

2,00,000+

Aggregate Assets

INR 3,550 Billion

Active Customer Base

39 Million

Consolidated Lending Book

INR 699 Billion
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Job Description

AB Housing Finance Limited

Lead - Credit Policy and Process

Location: BGFCL,OneIndiaBulls Cen,Mumbai, Maharashtra
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Job Description

Key Result Areas  (Max 1325 Characters)

Supporting Actions (Max 1325 Characters)

ECL Provision computation

  • System application Management

IRAC Provision computation

  • Template worksheet computation

Regulatory Reporting

  • Monthly reporting to regulator 

Bureau Reporting

  • Monthly reporting to Bureau

ICAAP Testing

  • Annual Assessment

Audit Actionable

  • Manage the conduct of audit and Provide maintain data trails


Job Purpose - 

1.To calculate the Credit Cost via Expected Credit Cost Model(ECL) as per IND AS requirements along with  comparison with IRAC regulatory Norms.                                                                                                                      

2.To monitor and maintain the ECL model along with computation of input parameters like Probability of Default ( PD) , Loss given default (LGD) at quarterly intervals.

3.Back testing of the ECL Model for efficiency and Forecasting of Credit Cost.

4.Internal Capital Adequacy Assessment Process (ICAAP) Annual review and Forecasting.

5.Monthly Regulatory Reporting to NHB of organisation data along with record maintenance and to provide clarification in case of any Observations.

6. Risk model building along with analytics and testing and validation of such models.

7. Policy formulation based on risk models and monitoring the portfolio behaviour and changes in model for improvements in model efficacy

8.Analyse Mortgage Portfolio trends, patterns and Segment Risks. 

9.Preparation of Various Risk Relevant MIS and Presentation for Policy formulation and decision making.

10. Process improvements & Automation along with for Data sanity for reporting’s to internal and external stakeholders.

Minimum Experience Level

6 - 8 years

Job Qualifications

Graduate Diploma

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