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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.
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1,712
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63,750+
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2,00,000+
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INR 5.50 Lakh Cr
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39 Million
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INR 1.78 Lakh CrCorporate Governance Policies
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Job Description
Team Member - Investment Risk
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Job Description
Job Purpose
This role is responsible for identifying and analysing financial, market, credit, liquidity and portfolio risk exposures for BSLAMC, and strengthening Portfolio Risk Management processes in the organisation. The role is also responsible for the development and implementation of portfolio risk control framework and undertaking periodical reviews and updates related to the framework.
Job Context & Major Challenges
Job Context/Job Challenges:
Established in 1994, Birla Sunlife Asset Management Company, (BSLAMC) is a joint venture between Aditya Birla Group and Sunlife Financial Inc., a leading international financial services company in Canada.
Currently ranked as the third largest fund Management house in India with a total Average AUM base of over INR 2 Lakh 50 Thousand Crores (as on Mar 2018). Out of the 44 fund houses in the country, BSLAMC ranked 1st in Fixed Income AUM and 3rd in Equity AUM category respectively. The company has grown its investor client base to about 5 MN and os actively engaging with the investors & partners alike.
Distribution Network: BSLAMC has a footprint in 150 locations across the country with approx 45,000 IFAs, 190 National Distributors & 85 banking partnership (points of sale). BSLAMC also has its offshore presence through its rep offices in Singapore, Dubai & Mauritius. The employees’ strength of BSLAMC is approx. 1800 employees (Onrolls and Associates as on Mar 2018). BSLAMC has a customer base of approx. over 5 million customers as on Mar 2018. In the emerging business category of Alternates, primarily PMS & AIF is included where ABSLAMC holds about 3-4% mkt share. This industry is however growing at over 45% CAGR, significantly higher than the overall fund industry.
BSLAMC offers investors a range of comprehensive investment options, which includes diversified and sector specific equity schemes, hybrid funds and a wide range of debt and treasury products. Its offerings also include Portfolio advisory services for High Net worth individuals as well as offshore funds for Non Resident Indians. There are 141 schemes managed by the organisation as on Mar 2018. The Company follows a long – term, fundamental research based approach to investment and thrives to provide a transparent and ethical services to its investors. Leveraging on these strengths., ABSLAMC offers PMS & AIF products on both equity & debt side. Currently the market share is in the range of 4%, however, hopes to be at 8-9% in the next 1-2 years. Towards the same, new product offering is the key.
One of the key challenges for BSLAMC has been to maintain a balance between moving with dynamic and constantly changing regulatory norms of the country and maintaining growth and profitability in the extremely competitive market.
Key Challenges for the role are as follows:
a)Communication on the importance and impact of Portfolio Risk Management to various teams in the organization
b)Adherence to regulatory norms and mitigation of risks by striking a balance between regulatory requirements and business needs
c)Automation challenges due to availability of inconsistent data from various sources and constantly changing regulations
Key Result Areas
| KRA (Accountabilities) (Max 1325 Characters) | Supporting Actions (Max 1325 Characters) | |
|---|---|---|
| KRA1 | Development of Portfolio Risk Control Framework | Reviews current portfolio risk control framework for equity, offshore, fixed income and PMS on an ongoing basis Reviews the existing control policies and guidelines on an ongoing basis Suggests updates of policies and guidelines as per regulatory and internal norms, and establishes a revised monitoring framework that can be implemented Seeks out for updates from regulatory bodies like SEBI and AMFI for changes in guidelines Draws out a new control process flow in case of any changes and updates Head – Risk Management Presents and communicates the new process flow to the Investment team for concurrence and implements the same across various functions Reviews the new process flows and policies post implementation on an annual basis for further updates Takes the responsibility for risk control framework for offshore entity - The depth in the metrics for offshore has got broadened. |
| KRA2 | Portfolio risk Monitoring and Reporting | Monitors portfolio risk for various investments done by Investments team to assess portfolio risks Multiple metrics added to evaluate the performance of BSLMF vs other competing fund houses, CPR analysis on quarterly basis has added lot of value to IC deliberations. Analyses the credit exposure and rating revisions on a daily basis with regards to the investments in various schemes, and thereby making an assessment of risk adjusted performance Provides the findings thereafter to the investment team for risk mitigation and follows up on the same |
| KRA3 | Performance Attribution, Risk Appetite and Contribution Analysis | Provides performance attribution analysis of equity and fixed income funds to the Fund Management Team and Senior Management on monthly basis and the Investment Committee on a quarterly basis Provides details on top contributors, opportunities foregone, credit risk, etc. to Fund Management Team and Senior Management to facilitate business decision making Prepares and analyses the risk appetite for portfolios and presents scenarios of key risk drivers (like equity market, credit default, increase in OPEX and reduction in fees) for the business plan on a quarterly basis to RMC and Boards. Will give insights as to various drivers impacting PBT and networth. Runs contribution analysis, maturity profile analysis and stress testing analysis for interest rates, credit risks, liquidity, etc. Gathers portfolio data from external sources and runs risk adjusted performance analysis using ratio analysis vis-à-vis benchmarks and other competing funds |
| KRA4 | Reporting of exceptions, review and updates on internal policies and guidelines | Provides portfolio risk content and analysis for risk portal to ensure that performance and risk reports are accurate and up to date Assists in automation of certain portfolio risk control processes like fixed income attribution, fixed income decomposition based on business priorities Assists in implementation of daily and periodical reports for assessing ongoing portfolio risk limits |
| KRA5 | Assessment & Analysis of Brokers’ Performance | Reviews business allocation to brokers and seeks approval from Investment Committee to facilitate broker empanelment Runs quartile analysis on brokers to ascertain top 15% and bottom 15% vis-à-vis competitors and other factors Provides monthly analysis of brokers’ performance to Finance, Operations, HR (for incentives and bonus computation), Secretarial, Board and Group companies |
| KRA6 | Support to Investment and Products team | Assists in development and implementation of control frameworks for investment activities like dealing room, front office processes and specific automated analytical tools Prepares portfolio risk agenda for Investment Committee meeting Assists Investment, Products and Risk Management teams in providing inputs related to portfolio risk for Investment Committee and Board meetings Provides inputs on risk assessment and mitigation for new products to the Products team . |
| KRA7 | Creation of Broker Masters in Quantis | 1. Timely creation of Broker masters as per the approval from the committee 2. Safe keeping of documents and compliance as per process manual. |
5 - 13 years
Under Graduate
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