Apply on Kit Job: kitjob.in/job/45kx1i

Job Description Enriching Lives Winning as ONE ABC Company Info Aditya Birla Capital Limited ("ABCL") is the holding company for the financial services businesses of the Aditya Birla Group. With subsidiaries/JVs that have a strong presence across Protecting, Investing and Financing solutions, ABCL is a financial solutions group that caters to the diverse needs of its customers across their life cycle. Powered by more than 38,000 employees, the businesses of ABCL have a nationwide reach with over 1300 branches, more than 2,00,000 agents/channel partners and various bank partners. What makes an ideal ABC Citizen? At ABC, we are constantly on the lookout for individuals who resonate with our 5 core values of Speed, Passion, Integrity, Seamlessness and commitment and live them every day, while also understanding our vision. We believe in building leaders who thrive on challenges, take the onus of creating and sustaining strong teams, and forms strong networks as a result of effective relationship-building.

n

Role Details Business Aditya Birla Capital

n

Unit Aditya Birla Capital Limited Location Mumbai Role Vertical Head – Credit Monitoring Department Credit Eligibility Criteria CA/ MBA Required Skills & Competencies Analytical thinking and attention to detail.

n

Investigative and fraud detection skills.

n

Integrity and robust ethical standards.

n

Effective communication and reporting.

n

Process orientation and innovative mindset.

n

Networking and stakeholder management.

n

Ability to conduct training and awareness sessions.

n

Flexibility for travel and on-ground investigations.

n

Technical proficiency in MIS and fraud systems.

n

Key Responsibilities Key Result Areas (Max 1325 Characters) Supporting Actions (Max 1325 Characters)



To build a robust credit coverage and Credit monitoring system Focus on identification, measuring, monitoring, and managing the risks (including credit, operational, market risks etc.) in the overall portfolio and individual borrowers

n

Gathering market intelligence about the borrower and industry through: Regular lesioning with borrower’s bankers, credit rating agencies, CIBIL etc. Regular meeting with company’s management and its supply chain stakeholders

n

Interacting with other industry players, wherever possible

n

Any other sources of information that are available

n

Taking responsibility of managing the overall credit quality of the portfolio To have risk awareness about macro and sectoral issues related to various sectors where the division has lent and is looking for business opportunities

n

Benchmark the internal credit monitoring policy to the industry and keep improving upon the same To monitor the compliance of internal and regulatory guidelines etc. To perform portfolio monitoring and leverage data analytics for effective Credit monitoring & formulate compliance processes for new and existing business To monitor the portfolio performance by continual analysis of fundamentals & reviewing the ratings, analyses the covenants and evaluate industry performance in that sector

n

Regularly updating on the pending compliances,



gaps in security creation and perfection to be duly highlighted to the senior management including credit committee etc.

n

Regularly track and evaluate the collaterals using Collateral Management System or any other process/system and suggest mitigant steps to preserve/recover the value of the collaterals as the case may be

n

Empanel and use the services of established and on ground valuers to identify any impairment in the collateral and take appropriate steps

n

Devise risk-based data analytics tools, including Collateral Management System and pending compliances etc., that are constantly evolving and gradually can be used to predict the ‘Early Warning’ signals

n

Use statistical models to standardize and improve lending decisions To make sure that all the post sanction compliances are regularly met and adhered to

n

Ensuring proper end use of funds, adequate insurance cover of borrower’s assets, legal documentations are complete and valid etc

n

Monitoring escrow statements and cash flow performance of the project and the borrower

n

Keep track of the timely receipt of all payments from the borrowers and to ensure that ABFL’s security and security cover are constantly monitored and safeguarded

n

Conduct regular site visits and periodic meetings with company’s management wherever required and feasible

n

Suggest and initiate actions when risk metrics are breached or have potential to be breached and follow up on the action items as advised by the management To regularly upgrade credit procedures & ensure their compliance with internal & external rules of lending Monitoring & Risk Identification of Under Construction and operational Projects Keeping track and monitoring of the under construction, along with Busin

Apply on Kit Job: kitjob.in/job/45kx1i

📌 Vertical Head - Credit Monitoring (Georai)
🏢 Aditya Birla Capital
📍 Georai