Designation: Manager

Location: India Maharashtra Pune - Lohia Jain Arcade

Organization: Financial Services

Job Description:

Key Responsibilities

1. Portfolio MIS & Analytics

- Lead development of comprehensive MIS dashboards covering sanctions,

disbursements, collections, pipeline, and portfolio performance.

- Generate actionable insights on trends, variances, and emerging risks.
- Identify early warning signals through data analytics (overdues, delays, utilization

patterns).

- Drive automation and standardization of MIS reporting for efficiency and accuracy.

2. Escrow Cash Flow Analytics & Forecasting

- Analyze escrow inflows/outflows, including customer collections, project receivables,

and debt servicing.

- Forecast key business metrics:

o Disbursement run-rate

o Collection efficiency

o Prepayment trends

- Identify liquidity gaps, timing mismatches, and stress scenarios at project and

portfolio level.

3. Escrow Waterfall Monitoring & Control

- Track and ensure strict adherence to escrow waterfall mechanisms as defined in

sanction letters and transaction documents.

- End Use certificates
- Identify and flag any deviations, leakages, or misallocations in escrow utilisation.
- Strengthen controls and reporting around escrow operations to minimize operational

and credit risks.

4. Portfolio Health Monitoring (DSCR & Risk Metrics)

- Track and monitor DSCR and other key financial ratios across the portfolio.
- Support credit monitoring, renewals,



and annual reviews with data-backed insights.

5. Market Intelligence & Strategic Insights

- Track real estate market dynamics:

o Market wise Supply and absorption trends

o Pricing trends

o Inventory levels monitoring

o Regulatory developments

o Asset class trends

- Benchmark portfolio performance against market indicators and peer projects.
- Provide insights to support:

o Current deal evaluation

o Sectoral exposure strategy

o Risk calibration

6. Audit, Compliance & Governance

- Manage internal and external audit interactions for portfolio analytics.
- Support documentation and responses for regulatory and audit requirements.

7. Early Warning Systems & Portfolio Surveillance

- Design and implement early warning frameworks using escrow, cash flow, and market

data.

- RAG Reviews
- Monitor covenant & milestones compliance and trigger breaches.

9. Business Planning & Strategy

- Support annual operating plans, budgeting, and forecasting.
- Provide data-driven projections on growth, yields, and risk metrics.

10. Stakeholder Management

- Work closely with Credit, Risk, Business, Finance, and Operations teams.
- Act as a central data and analytics partner for cross-functional teams.

11. Process Improvement & Digitization

- Drive digitization of escrow tracking, MIS, and reporting frameworks.

- Implement analytical tools (Excel models, BI dashboards, automation solutions).

📌 Portfolio Monitoring Manager - CF - Pune (Maharashtra)
🏢 Aditya Birla Group
📍 Maharashtra