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Valuation Officer
Business
Financial Services
Unit
Aditya Birla Capital Limited
Location
Across branches in India
1) Job Purpose: Write the purpose for which the job exists (in 2-3 lines) (Max 1325 Characters)
Source customers, manage leads and walk-ins, complete documentation and system entries, drive renewals and provide frontline customer service
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)
Develop local connectors and community sources for new business.
Managing Existing Relationship
(Max 254 Characters)
Maintain relationships with existing customers for renewals and referrals.
Structuring new Transactions
(Max 254 Characters)
Assist customers with documentation and process; coordinate with valuer for quick TAT.
Compliance of regulatory guidelines
(Max 254 Characters)
Ensure KYC/AML adherence and accurate records.
Portfolio monitoring
Track due renewals and early delinquencies; support follow-ups.
3) Job Context & Major Challenges: Write the specific aspects of the job that provide a challenge (internal and external) to the jobholder in the context of the Business/Unit/Function/Department/Section (Max 3975 Characters)
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:
Acts as the branch’s face to customers, balancing sales conversion with documentation accuracy and service quality,
Key Challenges:
· Consistent sourcing in competitive catchments.
· Ensuring complete and correct documentation under time pressure.
· Educating customers on process, renewals and product features.
4) Key Result Areas: Write the key results expected from the job and the supporting actions for each of these key result areas (For most jobs typically there could be 4- 7 key result areas)- Maximum 10 KRAs can be updated
Key Result Areas (Max 1325 Characters)
Supporting Actions (Max 1325 Characters)
Customer Acquisition & Lead Gen
Source customers & update LMS.
New Customer Disbursement
Complete KYC & documentation.
Cross-Sell Support
Introduce relevant products.
Renewals & Portfolio
Follow up on renewals.
Interest & Collections
Support early bucket follow-ups.
Customer Experience
Deliver branch service.
Risk & Compliance
Ensure KYC/AML adherence.
Mandatory Modules
Complete training modules.
5) Job Purpose of Direct Reports: Describe the job purpose of the direct report/s to the job (in 2-3 lines for each report)
No Direct reports
6) Relationships: Describe the nature and purpose of most important contacts or relationship (except superior/team members) with individuals, departments, organizations inside and outside of the organization, that job is required to interact with to deliver the job objectives Relationship Type (Max 80 Characters) Frequency Nature (Max 1325 Characters)Internal
Branch Manager/ABM
Daily
Lead reviews, activity planning and guidance.
Valuer
Per transaction
Coordinate testing and valuation for faster TAT.
External
Customers
Daily
Acquisition, service and renewals.
Local Influencers
Need-based
Sourcing and community connects.
0 - 4 years