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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 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 2.00 Lakh CrFind customised home loan solutions for your unique needs
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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 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 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
Insurance and it's aspects for laymen
Investments and their jargon - simplified
Know all about loans and their management
Estimate your monthly loan repayments with Personal Loan EMI Calculator
Calculate the expected EMI of your loan for easier repayments
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Calculate the tax payable by you based on your income
Estimate the returns you can earn with your SIP investments
Calculate the Life Insurance cover you need to secure your family’s future
Life Insurance
Health Insurance
Home Finance
Personal Finance
Key Responsibilities
1. Portfolio MIS & Analytics
• Lead development of comprehensive MIS dashboards covering sanctions,
disbursements, collections, pipeline, and portfolio performance.
• Generate actionable insights on trends, variances, and emerging risks.
• Identify early warning signals through data analytics (overdues, delays, utilization
patterns).
• Drive automation and standardization of MIS reporting for efficiency and accuracy.
2. Escrow Cash Flow Analytics & Forecasting
• Analyze escrow inflows/outflows, including customer collections, project receivables,
and debt servicing.
• Forecast key business metrics:
o Disbursement run-rate
o Collection efficiency
o Prepayment trends
• Identify liquidity gaps, timing mismatches, and stress scenarios at project and
portfolio level.
3. Escrow Waterfall Monitoring & Control
• Track and ensure strict adherence to escrow waterfall mechanisms as defined in
sanction letters and transaction documents.
• End Use certificates
• Identify and flag any deviations, leakages, or misallocations in escrow utilisation.
• Strengthen controls and reporting around escrow operations to minimize operational
and credit risks.
4. Portfolio Health Monitoring (DSCR & Risk Metrics)
• Track and monitor DSCR and other key financial ratios across the portfolio.
• Support credit monitoring, renewals, and annual reviews with data-backed insights.
5. Market Intelligence & Strategic Insights
• Track real estate market dynamics:
o Market wise Supply and absorption trends
o Pricing trends
o Inventory levels monitoring
o Regulatory developments
o Asset class trends
• Benchmark portfolio performance against market indicators and peer projects.
• Provide insights to support:
o New deal evaluation
o Sectoral exposure strategy
o Risk calibration
6. Audit, Compliance & Governance
• Manage internal and external audit interactions for portfolio analytics.
• Support documentation and responses for regulatory and audit requirements.
7. Early Warning Systems & Portfolio Surveillance
• Design and implement early warning frameworks using escrow, cash flow, and market
data.
• RAG Reviews
• Monitor covenant & milestones compliance and trigger breaches.
9. Business Planning & Strategy
• Support annual operating plans, budgeting, and forecasting.
• Provide data-driven projections on growth, yields, and risk metrics.
10. Stakeholder Management
• Work closely with Credit, Risk, Business, Finance, and Operations teams.
• Act as a central data and analytics partner for cross-functional teams.
11. Process Improvement & Digitization
• Drive digitization of escrow tracking, MIS, and reporting frameworks.
• Implement analytical tools (Excel models, BI dashboards, automation solutions).
10 - 25 years
Graduate