Aditya Birla Capital Limited is among the leading well-diversified non-banking financial services company in India ABCL offers customized solutions in areas of personal finance SME finance SME finance corporate finance wealth management debt capital markets and loan syndication RBI as a systemically important non-deposit accepting non-banking finance company NBFC and is amongst the top five largest private diversified NBFCs in India based on AUM SME caters to the varied needs of a diverse set of customers across retail HNI ultra HNI Micro Small Medium enterprises It encompasses a wide variety of financing solutions for clients ranging Loan against property to more complex Lease Rental discounting Commercial Purchase and Construction Finance lending Financing solutions are provided to Self-Employed professionals non-professionals against a wide array of lending programs each of which aims to estimate the client s repayment capability accurately before the company to take an exposure The lending program requires assessing clients on various dimensions including income repayment behavior stability of income residence profile collateral valuation marketability ownership structure of business and the property and many others Loan approvals entail a valuable mix of profile checks balance sheet lending and collateral assessment An in-depth understanding of the customer s business model Cash flows customers suppliers success factors and dependencies needs to be considered given these are long term exposures ranging upto 15 years The financials are assessed to understand the repayment capability in the near and long term Collateral assessment is another complex part of the underwriting process involving checking the structural stability marketability valuation regulatory local body compliance and legal veracity - all to ensure the property can be liquidated to repay the loan if required in case of customer default Lending is often structured to meet the client needs by deriving

📌 Area Sales Head (Delhi)
🏢 Aditya Birla Group
📍 Delhi