Key Result Areas
Supporting Actions

KRA – 1
Evaluation – Credit Analysis
Case Analysis using Financial models for Promoter Group, Micro-market and Transaction structure
- Analyze and evaluate the proposed transactions including Borrower background, enterprise information, project / security information, cash flow analysis, feasibility analysis, sensitivity analysis, Debt Profile evaluation, Group level cash flow evaluation, financial evaluation.
- Liaison with internal stakeholders viz. Risk, Legal, Technical, Finance, Accounts and Operations
- Liaison with external agencies for due diligences – legal, technical, valuation, financial diligence, etc.
- Ensure Security Cover, Receivables Cover, exit calculations, Shortfall calculations, Portfolio Review

KRA – 2
Evaluation - Note Preparation
Case Underwriting within guidelines of regulatory framework and ABFL polices
- Preparing Credit Assessment Memo for transactions
- Review and signoff of the Credit Assessment Memo from all the stakeholders including Risk and Senior Management.




- Issuance of sanction Letter to the customer as per the note prepared and sign-off provided.
- Initiate framework for Post disbursement monitoring activties
- Initiate framework managing Security Cover, Receivables Cover, exit calculations, Shortfall calculations, Portfolio Review

KRA – 3
Execution – Case Documentation
Case Documentation within guidelines of ABFL polices and framework
- Prepare and execute Pre & Post transaction documentation
- Co-ordinate with customer for information and documentation from login to post disbursement
- Carrying out Post disbursement monitoring activties
- Ensuring compliance of statutory compliances, Internal and External Audits, ROC Charge creation and satisfaction, internal policies and procedures
- Carrying out post closure formalities.

KRA – 4
Quality Compliance
Customer Back-office coordination on day to day operational activities to align with ABFL compliance policies.
- Processing of Escrow fund

📌 Business Analyst (Maharashtra)
🏢 Aditya Birla Capital
📍 Maharashtra