Valuation Manager

Valuation Manager

Business

Financial Services

Unit

Aditya Birla Capital Limited

Location

Across branches in India

Ensure accurate purity testing, weight and valuation, secure handling of pledged ornaments, error-free documentation and adherence to audit and safety protocols

2) Dimensions: Mention quantitative or qualitative parameters that are relevant for the job and provide a better understanding of the scope and scale of the job.  

New Relationship

(Max 254 Characters) 

Build trust with customers during valuation through transparent communication.

Managing Existing Relationship

(Max 254 Characters) 

Co-ordinate with BM/ABM and frontline for smooth transaction flow and risk checks.

Structuring new Transactions

(Max 254 Characters) 

Apply approved methods for testing and valuation; ensure correct LTV usage.

Compliance of regulatory guidelines

(Max 254 Characters) 

Maintain complete records, testing logs and audit readiness; adhere to SOPs.

Portfolio monitoring

Identify anomalies, prevent spurious/bentex cases and escalate per matrix.

Organization Context

Aditya Birla Capital Limited (NBFC) is registered with RBI as a Systematically Important Non-Deposit accepting Non-Banking Finance Company (NBFC). ABCL is one of the top private diversified NBFCs in India. As of 31-Sep’25, ABCL has a pan-India presence with a lending book of approx. Rs. 139,500 Crores.

ABCL offers end-to-end lending solutions to a diverse set of customers - Retail, HNI, MSMEs, and Mid & Large Corporates through secured as well as unsecured loan products. The diverse range of lending products includes Retail Small Ticket Secured and Unsecured Loans, Unsecured Personal Loans, Unsecured Business Loans, Health & Education Loans, Digital B2B2C and B2B2B Small Ticket Loans, Small Business Secured Loans, Loans Against Property (LAP), Lease Rental Discounting (LRD), Construction Finance (to Real Estate Developers), SME Loans, Capital Markets Loans (Loan Against Shares), Supply Chain Finance, Mid and Large Corporate Loans, and Infrastructure Finance loans. ABCL also has a Wealth Management division.

ABCL is rated “AAA” by India Ratings, ICRA and CARE (reaffirmed in 2020). ABCL secured the ABG Business Excellence Award in 2017 (Silver), and 2015 (Bronze), and multiple other Awards on forums like CII.

Business Context

Gold Loans is a key secured lending product with high volume, fast turnaround expectations and requires strict discipline in risk, valuation, purity testing, and customer trust management.

Job Context:

The role safeguards asset integrity and customer trust through accurate valuation and strict adherence to SOPs and vault protocols

Key Challenges:

·      Preventing spurious/bentex pledges and ensuring testing accuracy.

·      Maintaining zero deviation in gold handling and movement logs.

·      Working with speed and precision during high footfall periods.

Key Result Areas (Max 1325 Characters)

Supporting Actions (Max 1325 Characters)

Customer Acquisition Support

Support onboarding through valuation process.

New Customer Disbursement

Enable timely valuation & documentation.

Cross-Sell Support

Facilitate conversations & guide customers.

Gold Valuation & Handling

Accurate testing & safe handling per SOP.

Spurious & Bentex Controls

Identify & escalate doubtful cases.

Cash Management Compliance

Ensure zero deviation in cash norms.

Collections Support

Assist with overdue documentation & clarity.

Auction Support

Pre-auction checks & documentation.

Mandatory Modules

Complete required modules on time.

No Direct reports

Internal

Branch Manager/ABM

Daily

Transaction approvals, exception handling and risk checks.

Risk/Audit

Need-based

Observations, verifications and closures.

External

Customers

At the time of transaction

Transparent communication during testing and valuation.

Security Vendors

Need-based

Vault maintenance and safety checks.