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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

AB Housing Finance Limited

Lead - LRD

Location: G-Corp Tech Park, Thane, Maharashtra
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Job Description

Key Responsibilities

1. Business Development & Sourcing

  • Source LRD business through direct sourcing, DSAs, brokers, developers, and corporate relationships.
  • Identify high-potential commercial/retail properties generating rental income for LRD propositions.
  • Drive monthly sales targets with consistent new client acquisition.

2. Client Relationship Management

  • Build and maintain strong relationships with property owners, SMEs, corporates, and real estate stakeholders.
  • Understand client requirements, assess eligibility, and propose suitable LRD solutions.
  • Manage negotiations on pricing, tenure, and structure with clients.

3. Credit & Property Assessment

  • Coordinate with credit teams for financial analysis, cash flow assessment, and rental income validation.
  • Conduct preliminary assessments of property title, tenancy agreements, lease lock-in periods, and cash-flow stability.
  • Ensure property valuation, legal checks, and technical evaluations are completed accurately.

4. Deal Structuring & Execution

  • Prepare deal proposals and submit complete files for credit approval.
  • Ensure high-quality processing of applications within the defined TAT.
  • Liaise with legal, technical, operations, and credit teams to ensure smooth disbursement.

5. Market Intelligence & Portfolio Quality

  • Track market trends in commercial leasing, rentals, and property yields.
  • Continuously monitor the LRD portfolio to ensure healthy asset quality.
  • Identify risks and flag potential issues in client profiles, rental dependencies, or property documentation.

Required Qualifications & Experience

  • Graduate / Postgraduate in Finance, Business, or related fields.
  • 5–10 years of experience in LRD, LAP (Lease Against Property), Commercial Mortgage, or Secured Lending.
  • Proven track record of achieving sales targets in secured lending.
  • Strong understanding of commercial real estate, rental agreements, and lease structures.

Key Skills

  • Strong sales and business development ability
  • Knowledge of LRD underwriting basics
  • Understanding of commercial real estate and rental markets
  • Excellent negotiation & communication skills
  • Relationship-building with high-value clients & partners
  • Documentation & process management

Minimum Experience Level

5 - 8 years

Job Qualifications

Graduate

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