Company Profile:

A global conglomerate, the Aditya Birla Group is in the League of Fortune 500. Anchored by an extraordinary force of over 140,000 employees belonging to 100 nationalities, the Group is built on a strong foundation of stakeholder value creation. With over seven decades of responsible business practices, our businesses have grown into global powerhouses in a wide range of sectors – metals, pulp and fibre, chemicals, textiles, carbon black, telecom, cement, financial services, fashion retail and renewable energy. Today, over 50% of Group revenues flow from overseas operations that span 36 countries in North and South America, Africa, Asia and Europe. Aditya Birla Group’s flagship manufacturing conglomerate, Grasim has announced its foray into B2B e-commerce last year to capitalize on the large and growing opportunity in the construction procurement industry (INR 7 lakh crore procurement market in India, with only 1% digital penetration). The company has committed to investing $250 Million (INR 2000 crores) over the course of 5 years for buidling the business. The platform will enable contractors and retailers (SMEs) get access to a variety of quality construction material, access to credit, reliable delivery and tracking. For the suppliers (OEMs and distributors) the platform will enable a pan-India digital channel which would help them build a wider network and opportunities to expand their sales. This is a unique venture which operates like a startup with all the benefits of being a part of a large conglomerate and draws from the equity of the Aditya Birla brand. The platform has already witnessed rapid growth in the first few months of launch, and is building towards the next phase of growth. The transformative nature of venture means that business disruption is going to be created at scale and technology needs to be the engine to drive the same. Please join our team to be a part of this exciting journey, make a business impact and accelerate your learning and growth.

Job description:

Key Responsibilities

Credit Underwriting

• Clear understanding of Annual reports and Balance sheets
• Ability to interpret various financial and non financial metrics to gauage the credit risk involved.
• Understanding of surrogate sources for information and their interpretation.
• To build a clean and sustainable Operational credit portfolio

Monitoring the Portfolio

• Build systems to manage the operational credit portfolio.
• To ensure Nil delinquencies
• Create a lead indicator metrics to manage credit risk

Build Credit Scorecards

• Build score card based on data analytics to improve credit processing .

Critical Competencies for Success

• Educational background –MBA/CA with 7+ years of experience
• Experience in Banking and especially Credit Risk function
• Building and leading teams. Proven people leadership skills.
• Excellent verbal and written communication with interpersonal skills
• Good hold on Excel and other statistical tools/models is an added advantage