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 ABHFL Risk colleagues to ensure efficient and effective risk management operations.
Job Context

Part of the Aditya Birla Financial Service Group (ABFSG), Aditya Birla Housing Finance Limited (ABHFL) is registered with the National Housing Bank as a housing finance company under the National Housing Bank Act, 1987. The company offers a complete range of housing finance solutions such as home loans, home improvement and home construction loans, balance transfer and top-up loans, loans against property and construction finance. The company acquired its license on and has aggressive growth plans. ABHFL operates in the trillion Indian Housing Finance market, which has grown at a steady rate of 17% CAGR over the last 3 years while reporting positive 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 and self-employed borrowers, given the high potential in these segments. The nature of the HFC business (dealing largely with retail customers in the potentially sensitive area of housing/mortgages), along with the additional regulatory and control mechanisms imposed as a result, means it is imperative that all functions and processes align and comply with sound risk management guidelines and applicable regulations/controls proactively and judiciously.

The Risk team provides core underwriting services fundamental to the ABHFL business health, risk management and sustainability. Structured as a dual to the Sales/Sourcing team, with positions mapped against corresponding Sales roles across the organization, the Risk team is responsible for necessary controls and process ch

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🏢 Aditya Birla Insulators
📍 Vijayawada