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Home Loan
Find customised home loan solutions for your unique needs
Balance Transfer
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Loan Against Property
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Our solutions with Flexible funding, project requirements to drive construction forward.
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Mauris Porta Arcu Id Tortor Pulvinar Cursus. Mattis, Diam Id.
CALCULATE NOWLoan Against Shares
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Loan Against Life insurance Policy
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Invest smartly in Equity Funds to aim for higher returns
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Diversify your portfolio and reduce your risk with a mix of equity and debt
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Goal-oriented fund with a lock-in period to create a corpus for retirement
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Term Insurance
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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. 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 BillionCorporate Governance Policies
- Policy for appointment of Statutory Auditors
- ABCL NRC Policy
- Corporate Social Responsibility
- Fair Practices Code
- Internal Guidelines on Corporate Governance
- Familiarization Programme for Independent Directors
- Disclaimers
- Ombudsman
- Privacy Policy
- Trademark Policy
- Vigil Mechanism / Whistle Blower Policy
- Regulatory Disclosure
Financial and Debt-Related Policies
Business and Partnership Policies
- Press Releases
- Our Digital Lending Platform Partners
- ABCL Collection and Recovery Agency List
- ABFL Terminated Collection and Recovery Agency List
- Importance of Following Repayment Schedule
- Scheme of Amalgamation
- SEBI Disclosures
- Interest Rates & Service Charges
- Discontinued Service provider list
- Terms & Conditions
- Fraud Awareness
- Archival Policy
Read about Money
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Read about Tax
Understanding direct and indirect taxes
Read about Retirement Plan
Know how to plan retirement well
Read about Insurance
Insurance and it's aspects for laymen
Read about Investing
Investments and their jargon - simplified
Read about Loans and Financing
Know all about loans and their management
Personal Loan EMI Calculator
Estimate your monthly loan repayments with Personal Loan EMI Calculator
Home Loan Eligibility Calculator
Calculate the expected EMI of your loan for easier repayments
BMI Calculator
It measure your leanness or obesity basis your height and the weight.
Income Tax Calculator
Calculate the tax payable by you based on your income
SIP Calculator
Estimate the returns you can earn with your SIP investments
SWP Calculator
Calculate the Life Insurance cover you need to secure your family’s future
Life Insurance
Health Insurance
Mutual Fund
Home Finance
Personal Finance
Stocks & Securities
Job Description
State Credit Manager - Secured - Delhi
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Job Description
The purpose of this job is:
- Review STSL credit proposals, carry out thorough due diligence within stipulated turnaround times and decision of the cases / recommend the same to respective authorities - Zonal Credit Manager, National Risk Manager, Credit Committee for decision/ approvals on the case
- Maintain the quality of portfolio by regularly reviewing the portfolio and suggesting for the policy changes accordingly if any
- Regularly Review & Monitor the Portfolio Performance, PDD movement and Compliance related matters
- Regularly Review & Monitor Vendor Management and closure of Audit queries
- Bringing in the Process Efficiency & Quality Improvement Initiative, Cost Reduction Initiatives and Stakeholder Management
Customer Centricity, Productivity and People Management
Key Result Areas | Supporting Actions |
Regularly Review & Monitor the Portfolio of the region. Bring in the expertise of identifying the grey areas which need immediate attention of the management. Track the movement of the portfolio is in-line with management mandate. Quality is measured by delinquency, bounce rates, loss numbers, RCR and File quality scores are key deliverables
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Calibrate the capacity plan in line with business needs Identify and act upon various risk arising out of credit/process activities Risk mitigation- bureau/rating agencies/collection reports to be reviewed Do periodical stress tests to ensure necessary actions are taken in markets having sharp movement in real estate prices Track and react to external influence on portfolio Bureau/rating agencies
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Take decisions which are aligned to the management directive keeping customer in mind Bring in the efficiency in the system by enabling decisions being taken within defined timelines Understand the Salaried / Self Employed market dynamics for STSL business in smaller towns say tier 3 – 4 markets
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Effective training and timely communication of policy & underwriting standard Manage and supervise direct reports with continuous engagement on portfolio performance, process controls and supervisory review Interaction with business and allied teams to incorporate changes Strong interpersonal skills to manage team size of 10+ risk managers Capable to mentor 3 - 4 middle layer Managers towards progressive career path
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Productivity and its management is the key deliverable Quality is measured by no of files managed on monthly basis Initiatives for improving the productivity at every level is also one of the key deliverables
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Regularly Review & Monitor the PDD movement as one of the most important process laid down to be managed by RCM Bringing in the Process Efficiency & Quality Improvement Initiative, Cost Reduction Initiatives Define credit underwriting standards and processes in accordance with ROC approved guidelines Process adherence as measured by audit ratings, FTR score and TAT are key deliverables
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6 - 12 years
Undergraduate
Aditya Birla Capital Limited
Aditya Birla Capital Limited
Aditya Birla Capital Limited
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Aditya Birla Capital Limited
Aditya Birla Capital Limited
Aditya Birla Capital Limited
Aditya Birla Capital Limited
Aditya Birla Capital Limited
Aditya Birla Capital Limited
Aditya Birla Capital Limited
Aditya Birla Capital Limited
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