Job Summary

The purpose of this job is to execute risk and credit operations on the basic transactions assigned, as per established frameworks and processes, ensuring sound portfolio quality management. Further, this role coordinates with Sales, Operations and ABFL Risk colleagues to ensure productive and effective risk management operations.
Job Context and Major Challenges

Part of the Aditya Birla Ficial Service Group (ABFSG), Aditya Birla Housing Fice Limited (ABHFL) is registered with the National Housing Bank as a housing fice company under the National Housing Bank Act, 1987. The company offers a complete range of housing fice solutions such as home loans, home improvement home construction loans, balance transfer topup loans, loans against property construction fice. The company acquired its license on has aggressive growth plans. ABHFL operates in the trillion Indian Housing Fice market, which has grown at a steady rate of 17% CAGR over the last 3 years while reporting good asset quality despite challenges in the operating environment.



While the industry is dominated by five large groups, there has been an emergence of newer entrants in niche segments like affordable housing selfemployed borrowers, given the high potential in these segments. Despite increased focus by banks, HFCs have been able to maintain their share in the mortgage market has remained stable at ~37% as on December 2015. The nature of the HFC business (dealing largely with retail customers in the potentially sensitive area of housing/ mortgages), along with the additional regulatory control mechanisms imposed as a result, means it is imperative that all functions processes align comply with sound risk management guidelines applicable regulations/ controls proactively judiciously. This is vital for managing risk protecting interests of both the business as well as the customer. While the core responsibility for this function is to control the business via robust underwriting risk management

📌 CM-Retail- professional (Ajmer)
🏢 Aditya Birla Insulators
📍 Ajmer