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 transfers on dail

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