Business Analyst

ABC - Aditya Birla Housing Finance Limited; Maharashtra; On-site; INR 900,000 - 1,300,000; Full time

Job summary

ABC - Aditya Birla Housing Finance Limited in Maharashtra, India seeks a Business Credit Analyst for the Construction Finance segment. The role focuses on risk-based credit analysis, project viability assessment, and preparing credit memos in alignment with ABHFL risk parameters and customer requirements.

The incumbent will ensure compliance with RBI norms, monitor portfolio risk, and coordinate with sales and risk teams to accelerate decision-making while maintaining TAT and quality.

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.

Responsibilities

• KRA1 To assess and conduct detailed credit analysis & evaluation of lending proposals for approval at local level, meet with developers and provide inputs towards structuring the deal while ensuring compliance with risk and regulatory requirements.
• KRA2 Ensure strict compliance with internal risk management norms and RBI regulations; coordinate with Central Risk teams to identify risk areas and build mitigation processes; monitor accounts to maintain asset quality and track delinquent accounts to minimize NPAs.
• KRA3 Vendor management: identify and appoint vendors (valuation, FIAs, fraud containment) and manage TAT; review vendor performance and coordinate with internal teams.
• KRA4 Process management: ensure end-to-end processes per SOPs for local assessment; continuously improve credit approval processes; capture data for MIS; handle escalations and post-disbursement communications.

Skills

Analytical thinking

Credit risk analysis

Decision making

Detail oriented

Market intelligence

Cross-functional coordination

Initiative & target orientation

Education

Chartered Accountant or MBA with 2-4 years experience in credit and risk

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 & Major Challenges

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 is 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.

The Business Credit Analyst is an integral part of the Construction Finance Business and is responsible for analyzing the proposals with the required due diligence and to ensure that all information required to take a credit decision is captured in the proposal.

The analyst is also responsible to ensure that proposals are compliant with all the norms of credit policy, RBI regulations and other statutory regulations.

He/she has to maintain stipulated TAT in credit appraisal process and is also responsible for keeping update on the various changes in economic scenario, sectors, etc., co-ordination with sales team and RMG for faster decisions to improvise TATs of the overall sanction process.

Market Intelligence and understanding Competition best practices and suggesting changes in the existing product / policy and processes.

Generating various MISs and EWS (early warning signals), overall portfolio monitoring form risk as well as compliance perspective is an important job aspect.

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

KRA (Accountabilities) (Max 1325 Characters)

Supporting Actions (Max 1325 Characters)

• 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.
• 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