Business Analyst

Birla Carbon; Goregaon; On-site; INR 600,000 - 1,200,000; Full time

Job summary

Birla Carbon is seeking a Business Analyst based in Goregaon, India. The ideal candidate will implement risk management processes for the construction finance business. Responsibilities include detailed credit analysis, vendor management, and ensuring compliance with internal risk management strategies. Candidates should hold a Chartered Accountant or MBA and have 2-4 years of experience in credit and risk functions. This position offers an opportunity to contribute to a growing financial entity.

Qualifications

• Minimum 2-4 years of experience in credit and risk functions of Banks/NBFCs.

Responsibilities

• Assess and conduct detailed credit analysis & evaluation of lending proposals.
• Ensure compliance with internal risk management and external regulatory norms.
• Identify and recommend vendors for local assessments.
• Ensure processes are followed as defined for CF at the local assessment level.

Skills

Analytical acumen

Evaluation skills

Detail orientation

Decision-making skills

Market intelligence

Education

Chartered Accountant or MBA

Job description

Business Analyst

Location : India Maharashtra 10thflr R-Tech Prk Goregaon E

Job Description

Job Purpose

Implement risk management processes at the ground level for the construction finance business, gaining a thorough understanding of the project and developer and preparing a credit memo to assess the project viability and proposal structure as per ABHFL risk parameters and customer requirements. Key activities are analysis of project viability, assessment of market information and developer financials.

Job Context / Job Challenges

Job Context

Key Aspects:

The company has a well‑defined vision of being one of the most reputed and material financiers within the lending space‑spread across both retail HNI and corporate clientele. We have made significant investments in our process and system infrastructure towards preparing for the next level of growth and are one of the only financial entities certified for ISO 9001:2008 across all our business processes. Spread across 18 cities, we plan on further diversifying our risk and revenue mix through expansion into new geographies and new product segments allowing our customers a one‑window shop for all their financing needs.

Key Challenges

• Cross functional coordination to enable timely approval of credit proposals
• Self‑updating on economic / sectoral changes in the economy
• Improvising on TAT
• Seamless co‑ordination with multiple internal and external entities
• New product development

Enabling Skill Sets & Qualifications

The critical skill sets are a strong analytical acumen, evaluation skills, detail orientation & decision‑making skills, initiative & target orientation & market intelligence developed through a strong industry network.

The education & experience required to fulfil this profile are a Chartered Accountant or an MBA with minimum 2-4 years of experience in credit and risk functions of Banks/NBFCs.

Key Result Areas

KRA1 To Assess and conduct detailed credit analysis & evaluation of lending proposals for approval / decision at the local level or further recommendation for approval/ decision to Risk team for further approval at CC level Meet with developers and builders to understand the viability of their projects, in terms of project scale, progress and financials. Provide inputs towards the structuring of the deal, ensuring compliance with internal risk and external regulatory requirements. Carry out an analysis of the balance sheet and recent financial results of developers and their organizations. Carry out background research on the project, the developer and the regional market, highlighting any negative reports so as to ensure the quality of ABHFLs lending portfoli. To interact with the Legal and Technical agencies to ensure that property risk have been understood and mitigated. Monitor statutory real estate guidelines and assess any relevant information from these sources.

KRA2 Emphasize strict compliance and adherence to internal risk management and external regulatory norms Ensure a thorough understanding and acceptance of the ABFL credit risk strategies, and ensure that appropriate credit risk parameters are incorporated in proposals. To work with the Central Risk teams to identify risk areas and build processes to mitigate risk, including performance metrics and documented procedures. Monitor customer accounts on a periodic basis to ensure the maintenance of acceptable asset quality levels. Track delinquent and potentially problematic accounts closely, taking action to minimize the level of NPAs within the region.

KRA3 Vendor Management Identifying and recommendation for Appointment of vendors at local levels including valuation, legal, Field Investigation Agencies, Fraud Containment Agencies. Managing TAT with various vendors- a) Field investigation, b) Lawyers, c) Technical Valuers, d) RCU agency to ensure Customer Delight. Regular Training and reviewing the performance of the vendors with regular interaction and keeping eye on the other financial institution association.

KRA4 Process Management Ensuring that end to end processes are followed as per the SOPs as defined for CF at the local assessment level. Continuous improvement in credit approval process to meet the dynamic business needs and instituting mechanisms for adherence of risk associated with the product s, safety of financed amount and customer satisfaction. Proper capturing of data in the requisite system to ensure proper MIS generation for business decisions. Training implementation for Local Credit Process team, Sales team on product, processes, legal and technical aspects. Handling customer escalations and complaints during and post disbursements -replies to mailers, correspondences with co‑ordination with the legal team.