Senior Business Analyst - Mid Market, Mumbai

About Aditya Birla Capital and Aditya Birla Finance Limited

Aditya Birla Capital Limited is the parent financial services company of the Aditya Birla Group, offering a wide array of protecting, investment, and financing services across India. Supported by a workforce of over 38,000 employees, the company operates through 1300+ branches, more than 200,000 agents and channel partners, as well as various banking collaborations. One of its subsidiaries, Aditya Birla Finance Limited, is a well-established non-banking financial company providing specialized financial products including personal and mortgage finance, SME and corporate lending, wealth management, debt markets, and loan syndication.

Company Values and Ideal Candidate Profile

The organization upholds five core values: Speed, Passion, Integrity, Seamlessness, and Commitment, seeking individuals who embody these principles. The ideal candidate is a proactive leader who embraces challenges, takes responsibility for team success, and builds strong stakeholder relationships.

Role and Location Details

The position is for a Business Analyst in the Mid-market & Supply Chain Finance department, based in Chennai. Eligible candidates should hold a Masters degree in Finance and possess 3 to 4 years of relevant experience.

Key Duties and Responsibilities

• Conduct credit risk research and analysis for Mid-Market cases by leveraging due diligence, external agencies, and coordination with sales and risk teams.
• Evaluate credit histories to approve or reject credit extensions for commercial clients.
• Manage portfolio housekeeping ensuring timely renewals and monitoring days past due (DPD).
• Prepare sanction proposals and collaborate closely with sales and risk teams to maintain quick turnaround times.
• Establish and nurture positive relationships with dealers, commercial customers, and sales personnel.
• Make informed credit decisions for complex commercial financing requests.
• Provide guidance to junior credit analysts concerning credit policies and underwriting.

Credit Analysis Specific Activities

• Assess credit applications to measure associated risk levels.
• Make credit approval or denial decisions following internal policies.
• Analyze financial documents such as financial statements, collateral evaluations, debt servicing capacity, and cash flows.
• Prepare and underwrite finance proposals ensuring policy compliance.
• Adapt underwriting approaches to reflect industry, policy, and market changes.
• Support faster loan closures through active involvement in deal structuring and credit enhancements.
• Maintain target turnaround times via collaboration among sales, risk, and operations teams.
• Conduct client discussions when required during loan underwriting.
• Coordinate with sales and documentation teams to ensure thorough and accurate loan paperwork.
• Work with risk and legal departments on exceptions and non-standard documentation.

Sales Support Responsibilities

• Maintain ongoing communication with current clients regarding collateral status and credit utilization.
• Participate with sales in client meetings to assist with negotiations and deal structuring.

Stakeholder Engagement

• Build effective relationships with marketing and sales staff to facilitate risk-minimized loan structuring and closures.
• Collaborate closely with sales teams to achieve balanced sales and credit quality targets.
• Challenge high-risk business cases promptly.
• Work jointly with risk and operations teams to enable swift processing for straightforward cases.
• Engage certified public accountants for compliance training and support.
• Coordinate with external agencies for reports, credit ratings, and verifications concerning current and prospective clients.

Post-Sanction Monitoring

• Review transactions, financial statements, business bureaus, security documents, and credit payment histories for existing clients.
• Conduct routine and ad hoc portfolio reviews to ensure adherence to loan terms and financial covenants.

Credit Team Development

• Assist in onboarding and training new credit analysts and officers.
• Review work of junior credit associates providing higher-level approvals when necessary.
• Serve as a mentor and subject matter expert within the credit analysis team.

Important Disclaimers and Additional Information

• Aditya Birla Capital promotes equal opportunity employment prohibiting discrimination based on legally protected characteristics.
• The company does not request any payment or fees from job applicants at any stage; any such offers should be treated as fraudulent.
• Official communications will always originate from the adityabirlacapital.com domain; verify all communications carefully.
• Applicants should be vigilant against scams involving fake websites, email addresses, or social media pages mimicking the company.
• Appropriate legal actions may be taken in case of fraudulent activity.