Regional Business Analyst - Mid Market - Ahmedabad

Aditya Birla Capital Ltd.; Gujarat; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Aditya Birla Capital is seeking a Business Analyst to assess credit risk, analyze financials, and coordinate with Sales and Risk for timely credit decisions. The role involves due diligence, portfolio oversight and relationship management with dealers and customers.

The candidate will support mid-market lending with policy guidance, aim for efficient turnaround times, and collaborate across risk, sales, and operations to ensure compliant underwriting and swift closures.

Qualifications

• Research and analyse credit risk for Mid-Market cases with due diligence support.
• Assess credit history and approve/deny extensions of credit to commercial customers.
• Maintain timely renewals and track DPDs for assigned portfolio.
• Prepare proposals and coordinate with Sales and Risk for sanctions and quick TATs.
• Develop and maintain positive relationships with dealers, customers and Sales staff.
• Render credit decisions for complex commercial financing requests.

Responsibilities

• Initial screening of proposals and thorough appraisal with required due diligence.
• Coordinate with Sales to resolve credit and risk concerns while meeting TAT goals.
• Interfacing with Sales for faster decisions and anchor programme reviews.
• Supporting actions include analyzing credit applications to assess risk.
• Ensuring adherence to credit policy and optimal underwriting.

Skills

Credit risk analysis

Credit underwriting

Portfolio management

Relationship building

Attention to detail

Analytical thinking

Education

Masters in Finance

Job description

Job Description – Business Analyst

Enriching Lives Winning as ONE

ABC Company Info:

Aditya Birla Capital Limited ("ABCL") is the holding company for the financial services businesses of the Aditya Birla Group. With subsidiaries/JVs that have a strong presence across Protecting, Investing and Financing solutions, ABCL is a financial solutions group that caters to the diverse needs of its customers across their life cycle. Powered by more than 38,000 employees, the businesses of ABCL have a nationwide reach with over 1300 branches, more than 2,00,000 agents/channel partners and various bank partners.

Aditya Birla Finance Limited:

Aditya Birla Finance Limited("ABFL"), a subsidiary of Aditya Birla Capital Limited, is among the leading well-diversified non-banking financial services company in India. ABFL offers customized solutions in the areas of personal finance, mortgage finance, SME finance, corporate finance, wealth management, debt capital markets and loan syndication.

What makes an ideal ABC Citizen?

At ABC, we are constantly on the lookout for individuals who resonate with our 5 core values of Speed, Passion, Integrity, Seamlessness and commitment and live them every day, while also understanding our vision. We believe in building leaders who thrive on challenges, take the onus of creating and sustaining strong teams, and forms strong networks as a result of effective relationship-building.

Role Details

Business

Aditya Birla Capital

Unit

Aditya Birla Finance Limited

Location

Chennai

Role

Business Analyst

Department

Mid-market & SCF

Eligibility Criteria

Masters in Finance, 3-4 Years of Relevant Experience

Required Skills & Competencies

• To research and analyse credit risk for Mid-Market cases through existing due diligence processes, external agency support and in conjunction with the sales staff and risk team


• To assess credit history and approve/ deny extension of credit to potential commercial customers


• To keep the house keeping under control i.e. timely renewals, tracking of DPDs (for the assigned portfolio)


• To prepare proposals for approved cases and work in collaboration with sales and risk teams to ensure sanction limits and enable quick TATs


• To develop and maintain positive business relationships with dealers, commercial customers and sales staff.


• To render appropriate credit decisions for more complex commercial financing requests.


• To assist less experienced Credit Analysis team members with Mid - Market on credit policy issues and commercial underwriting negotiations

Key Responsibilities

The key responsibilities include initial screening of the proposal, thorough appraisal of credit proposals with the required due diligence; coordination with the sales team for resolution of credit and risk concerns, maintaining Turn Around Time (TAT); interfacing with the Sales team for faster decisions; Assist in Anchor program reviews.

Credit Analysis Operations

Supporting Actions

• Analyzes credit applications to determine the degree of risk involved in extending credit


• Makes prudent business decisions based on internal credit policy guidelines to approve or deny the extension of credit within established credit authority.


• Analyzes financial statements, collateral, debt service, personal financial statements and personal cash flow, as applicable to the size and complexity of the commercial transaction.


• Prepares, evaluates & underwrites finance proposals


• Implements & ensures adherence to credit policies and processes


• Strategizes & sees through the policy/ industry / market changes & implements the same in underwriting decisions


• Facilitates faster deal closures through proactive participation in deal structuring & credit enhancement


• Maintain desired TATs for deal processing by collaborating actively with sales, risk and operations teams


• Carries out personal discussions with clients for underwriting loans for Mid - Market when required


• Works with the CAD and sales teams to ensure effective and complete loan documentation


• Liaises with risk/ legal department on non-standard documents and/or exceptions to policy to ensure loan sanction process runs smoothly and compliantly

Sales Support Operations

• Complements sales relationship management activities by maintaining regular touch points with existing clients on collateral health and credit limit utilization


• Meets with clients as required in conjunction with sales to support negotiations/ deal structuring if required

Stakeholder Management

• Builds good relationships with marketing/sales representatives, to structure loans to minimize risk and to close loans, and interacts effectively with a variety of departments.


• Develops and maintains strong business relationships with sales team members to ensure sales volume objectives and credit quality are both balanced and achieved


• Challenges sales/ business functions on high risk cases


• Supports quick closure / STP [ Straight through processing] for clean cases in collaboration with the Risk & operations teams


• Manages and seeks support from CPA [ Certified Public Accountants] and provides appropriate training related to organization compliance policies and processes


• Collaborates effectively with external agencies (Legal, Technical and Verification) for reports and opinions and to ascertain credit ratings / history for specific potential credit cases and existing loan customers.

Post Sanction Surveillance Operations

• Reviews and analyzes various transactions for existing customers including


• Review and analysis of applications


• Study of financial statements, balance sheets, business and customer bureaus


• Review of security and legal documents


• Study of credit history and payment performance


• Performs annual/ ad hoc reviews on portfolios and individual transactions and routinely monitors loans for compliance with loan agreements/ financial covenants.

Credit Analysis Capability Building

• Assists in the training of new credit analysts/officers.


• Reviews work of junior credit associates. As needed, provides an additional level of authority on transactions.

Serves as subject matter expert and mentor for less experienced commercial credit analysts.

Refer the links to know more Growth & Culture at ABC: https://www.adityabirlacapital.com/careers?ref=abc-homepage

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Aditya Birla Capital is committed to provide equal opportunity to all in employment and prohibits discrimination or harassment in any form on the basis of race, colour, religion, ethnicity, age, gender, disability or any other characteristic protected by law. Diversity, Equity and Inclusion (DEI) is embedded in our recruitment policies based on our business needs and candidates meeting the eligibility criteria such as qualification, skills and experience.