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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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- Archival Policy
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Job Description
Manager - Market Conduct
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Job Description
Job Purpose
Responsible for assisting the Senior Manager in managing the Fraud control operations and taking initiatives as per the SLA pertaining to the assigned verticals in Operations / Accounts departments to ensure smooth and timely resolution of issues in line with regulatory,
organizational and compliance expectations. Also to identify and analyse compliance risk in the operational activities & to contribute to the improvement and strengthen BSLI s operation
functions processes and procedures.
Job Context & Major Challenges
Job Context / Job Challenges:
Job Context: Responsible for assisting the Senior Manager in managing the Fraud control operations and taking initiatives as per the SLA pertaining to the assigned verticals in Operations / Accounts departments to ensure smooth and timely resolution of issues in line with regulatory, organizational and compliance expectations. Also to identify and analyse compliance risk in the operational activities & to contribute to the improvement and strengthen BSLI s operation functions processes and procedures. Job Challenges: Managing a significant increase in Frauds, particularly in fake claims due to high repudiations Overcoming constraints in terms of the accuracy of data available in our systems While investigating/analysing various cases, there is no consolidated window containing all information: different systems need to be accessed across the organization Constraints in terms of receiving timely & qualitative responses on cases under investigation from agents/ channel partners and other functions Ensuring adequate mind space especially among sales force & agents on adherence to regulatory/organisational compliance requirements in order to create a fine balance between quantity & quality of business Constraints in tracing the concerned sales persons as they leave the system bef ore the complaints are made Ensuring that the Company keeps pace with a fast
evolving regulatory environment & competitive market practices.
Key Result Areas
| KRA (Accountabilities) (Max 1325 Characters) | Supporting Actions (Max 1325 Characters) | |
|---|---|---|
| KRA1 | Identify, analyse and report Compliance-related risks in processes related to the assigned verticals in Operations | 1. Assist in evaluating and analyzing all the procedures, policies and process of New Business, Underwriting and Claims Function. 2. Identify, evaluate and report the compliance risks within the operation function verticals assigned 3. Assisting in identifying deficiencies in policies, process and procedures related to assigned operational entities and recommend corrective actions to the Management. 4. Monitor the work carried out by the assigned operational entities. 5. Assist in providing recommendations to Strengthen & streamline processes of operation functions 6. Organize, co-ordinate and structure compliance related decentralized controls 7. Assist in implementation of preventive actions in the processes and procedures. |
| KRA2 | Post Facto analyse and report on the sample policies and recommend corrective actions | 1. Conduct checks on sample policies received by operational entities and analyze them, preparation of a report leading to process improvement or strengthening process wherever required 2. Assist in providing recommendations to Strengthen & streamline processes of operation functions 3. Organize, co-ordinate and structure compliance related decentralized controls 4. Assist in implementation of corrective actions in the processes and procedures |
| KRA3 | Mystery Shopping & Checks for identifying and mitigating fraudulent activities | 1. Conduct Mystery shopping at the empanelled medical centers and other BSLI branches for detecting fraudulent activities (PAN India) pertaining to the operational entities 2. Conduct System checks thereby placing controls to mitigate fraudulent activities. 3. Black Box Audit to be conducted on a Monthly basis to check the quality of Business underwritten by Aura and provide a report and recommendation to the department. 4. Analyzing the entire claims data of the country, surrender/partial Withdrawal cases and coming up with relevant patterns in order to make stringent processes to curb the same. 5. Assisting in Open and Discreet verification to be conducted from time to time in discussion of Underwriting and Claims team and ensure the reports are circulated as per the desired timelines. |
| KRA4 | Reporting & MIS | 1. Assisting in maintaining proper MIS for each and providing necessary information as per the requirement. 2. Assisting in providing Reports and recommendations to Senior s and Management as per the requirement. |
7 - 12 years
Graduate
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