Valuation Officer

Valuation Officer

Business

Financial Services

Unit

Aditya Birla Capital Limited

Location

Across branches in India

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.

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.

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.

No Direct reports

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.