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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

Aditya Birla Capital Limited

Product Risk Manager | PL

Location: R-Tech Park Goregaon, Maharashtra
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Job Description

Key Result Areas  (Max 1325 Characters)

Supporting Actions (Max 1325 Characters)

Meeting Risk Budgeted Risk KPIs

  • Ensuring Annual Risk KPIs are met according to management approved budgets
  • Take corrective action when KPIs are not meeting set expectations 

Modify, Design & Develop Risk Policies

  • Review existing Credit Risk Polices and recommend changes to meet business / risk requirements
  • Pro-actively asses the emerging risks within business lines and take corrective action whenever required in terms of adequate policy changes
  • Support business teams in achieving business volumes by policy & process led interventions while keeping the Risk KPIs in control
  • Aid conduct of audit (statutory/internal/operational risk etc) and help closure of points to satisfaction without any adverse comments
  • Trigger monitoring and control for strategic partnerships and health of fintech partners
  • Co-ordinate with analytics for preparation of various management dashboards and tools for portfolio monitoring
  • Establish, implement and manage risk policy and control frameworks, ensuring that minimum standards, ownership and operation are clearly documented and communicated across the company.
  • Develop, lead and maintain a center of expertise within 1st line risk management 

Check Account Conduct

  • Account conduct of the borrower with other lender to be checked.
  • Conduct of account of the borrower with the debtors and creditors. 

RAG classification & Action

  • Detailed RAG review to be done & Following action to be taken: by Credit and Business & Credit monitoring team, to be Circulated & presented to CRO- Policy Team publish overall outcomes to relevant stakeholders.

Team Attrition & Hiring

  • Support the Lead in all hiring and ensuring that all hiring is completed as per budgeted numbers and timelines. 
  • Ensure attrition levels in the team is within the planned target for the year.
  • The role also involves training of credit and business teams and alignment with the organizational goals set for the Secured/unsecured line of business.

Develop Design of Experiments (DOES) 

  • Build DOEs to support business vol. and geographical growth in areas which are currently untested
  • Monitor DOEs in-terms of business volume offtake/ early bounce rates / early delinquency rates to measure effectiveness and any possible conversion to regular policy 

Minimum Experience Level

3 - 5 years

Job Qualifications

Post Graduate,Under Graduate

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