CM-Sikar Retail

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

Job summary

Aditya Birla Housing Finance Limited (ABHFL) seeks a Risk Operations professional to execute underwriting and risk management for core transactions. You will collaborate with Sales, Operations, and Technical teams to ensure sound credit decisions and strong portfolio quality, while aligning with regulatory guidelines and internal governance.

The role requires 0–3 years in banking/NBFC/HFC environments, with emphasis on analytical insight, stakeholder collaboration, and process discipline to

Qualifications

• Education & experience: CA/MBA – Finance with 0–3 years in a bank/NBFC/HFC.

Responsibilities

• Underwriting and portfolio quality management across ABHFL business lines.
• Coordinate with Credit Processing Analysts and Sales/Operations for file logging and timely credit actions.
• Maintain Maker–Checker processes, ensure compliance, and manage data/MIS with timely escalations.
• Improve collection and risk control through robust documentation, vendor management, and cost tracking.

Skills

Business acumen

Analytical skills

Stakeholder management

Presentation skills

Team management

Execution capabilities

Education

CA/MBA – Finance

Job description

CM-Sikar Retail

Designation : NA

Location : India Rajasthan jaipur Rajasthan

Job Description:

Job Purpose

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 Technical colleagues to ensure efficient and effective risk management operations.

Organizational Context: Key Aspects: Part of the Aditya Birla Capital Ltd (ABC Ltd), 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 9th July 2014 and has aggressive growth plans. ABHFL has grown at a steady rate 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 segments like Affordable and self-employed 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. and is poised for rapid growth and plans to grow 5X (40,000 Cr) in the next 5 years. This shall take ABHFL within the top 5 percentile of HFCs in the country.

Job Context: Key Aspects: 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 checks to ensure business performance and health. While the core responsibility for this function is to control the business via robust underwriting and risk management, supporting business expansion via joint evaluation of different product/ market growth proposals with the Sales team is also an important contribution. The Head – Risk plays a vital role in securing the organization against diverse risks in the course of business operations. This role is responsible for setting up requisite underwriting and risk management frameworks and processes for robust and efficient creditworthiness and risk assessment, and consequent inputs for business decisions (loan approval/ rejection, business expansion, etc.). Key Challenges: While the ABHFL Mortgages team also works with retail customers in the property space, the ABHFL business is exposed to the additional Construction Risk, i.e. risk from under construction projects not getting completed as planned. The Risk Team must factor for this when designing and executing control mechanisms and evaluating business proposals. ABHFL is in its inception phase as a company and in the midst of rapid growth. The Risk function must therefore be able to balance priorities of risk management and business growth efficiently, without increasing sub-prime exposures or impacting business health and sustainability. The housing space is characterized by state-wise norms and business practices, as well as varied interpretations of regulatory guidelines by different stakeholders. It is therefore essential for the Risk function to remain up to date on business practices/ norms across the country and work within regulatory guidelines in a manner that minimizes business risk and also supports growth objectives.

Enabling Skill Sets & Qualifications

Critical skill sets required to meet these challenges include strong business and commercial acumen, analytical skills, good stakeholder management and presentation skills, and team management and execution capabilities.

Education & experience required to fulfil this profile are a CA/ MBA – Finance with minimum 0-3 yrs of experience in a bank/ NBFC/ HFC.

Key Result Areas

KRA1 Underwriting and Portfolio Quality Management: Execute risk and credit operations for basic transactions assigned, in adherence with defined frameworks and principles across ABHFL business lines. Seek guidance from seniors proactively and gather insights on technical aspects as well as state/ property specific considerations for effective risk assessment of individual cases. Liaise with relevant Legal, Technical and other verification vendors for Legal-Technical evaluations and clarifications in complex cases, as required. Monitor the bounce rates as per threshold limits.

KRA2 Process Efficiency: Execute risk operations efficiently and in a manner that enables business performance while ensuring risk management imperatives. Coordinate seamlessly with Credit Processing Analysts to ensure case files are logged appropriately before proceeding to initiate credit operations. Work as per process-driven coordination mechanisms with Sales and Operations teams for effective decision making in line with business and risk management needs; elevate to RCM as required. Effectively manage external vendors to ensure quality of reports & TAT. Efficiently track cost and ensure they are within budgeted levels. Ensure accurate data capture in LOS and maintain high quality of documentation. Ensure collection of post-disbursal documents within assigned time frame.

KRA3 Risk Compliance & Control: Ensure compliance with established risk management principles and norms; compile periodic and need-based MIS, reports, escalation case documents, etc. Conduct local risk operations in line with defined ‘Maker – Checker’ mechanism with Sales and Operations teams in a systematic manner, across key aspects such as exception approvals, collateral valuation, PDD completion, cheque bounce collections, etc. Ensure minimal critical observations in Audit and also to ensure all observations are resolved within specified TAT’s.

KRA4 Collection Efficiency: Seek development to execute better risk assessment and loan underwriting via technical skill-up (e.g. proficiency on legal & technical documents, property business practices & norms, etc.) and role clarity. Maintain relationships with internal stakeholders for smooth coordination on complex/ escalation/ exception cases.

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