Business Analyst - Construction Finance

Overview

This role involves implementing ground-level risk management procedures specifically within the construction finance sector. The Business Analyst will thoroughly evaluate project viability and developer credentials, preparing detailed credit memos in line with Aditya Birla Housing Finance Limited's risk policies and client needs. Key responsibilities include analyzing project feasibility, market conditions, and developer financial health.

Context and Challenges

Aditya Birla Capital aims to be a leading financier across retail HNI and corporate segments, with a solid infrastructure supporting growth across 18 cities. The Business Credit Analyst is critical to ensuring proposals are reviewed diligently for creditworthiness and compliance with credit policy, RBI, and statutory guidelines. Timely approvals, liaison with sales and risk teams, and adaptation to economic shifts are essential. Knowledge of market competition, product development input, and comprehensive portfolio monitoring from risk and compliance perspectives are also core functions.

Responsibilities

• Evaluate lending proposals through detailed credit analysis to recommend approvals either locally or at central committees.
• Engage with developers to assess project scale, financials, and progress, ensuring deal structuring adheres to risk and regulatory norms.
• Analyze developers’ balance sheets and financial statements; conduct background research to ensure robust lending quality.
• Coordinate with legal and technical teams to mitigate property-related risks and monitor applicable real estate guidelines.
• Ensure strict compliance with internal risk strategies and external regulations, collaborating with central risk teams to identify and mitigate risks.
• Monitor customer accounts regularly aiming to preserve asset quality and minimize non-performing assets.
• Manage local vendor appointments and performance, including valuation, legal, field investigation, and fraud containment services, maintaining turnaround times to enhance customer satisfaction.
• Maintain process discipline as per SOPs, champion continuous enhancements in credit approvals, data management for MIS, and conduct training for local credit and sales teams.
• Handle customer complaints and escalations with legal coordination post-disbursement.

Requirements

• Qualified Chartered Accountant or MBA with 2 to 4 years’ experience in credit and risk functions within banks or NBFCs.
• Strong analytical and evaluation skills, meticulous attention to detail, decisive judgment, and a proactive, target-driven mindset.
• Up-to-date knowledge of economic and sectoral trends affecting construction finance risk.
• Ability to coordinate effectively with multiple internal and external stakeholders to improve process turn-around time.
• Experience in market analysis and competitor best practices with capability to drive product and policy improvements.