Job Description

Business	Financial Services
Unit	Aditya Birla Capital Ltd.
Location	Mumbai
Poornata Position Number of the job		Reports to: Poornata Position Number	……………….
Poornata Position Title of the job	Legal Manager / Junior Counsel	Reports to: Poornata Position Title	State / Area Legal Manager
Function	Risk Management & Compliance	Reports to: Function	Risk Management & Compliance
Department	Risk & Legal & Collections	Reports to: Department	Risk & Legal & Collections
Designation of the Employee:	Legal Manger / Junior Counsel	Manager’s Designation:	State / Area Legal Manager
Date of writing/ Updation of JD	1^st Jan 2026

1) Job Purpose: Write the purpose for which the job exists (in 2-3 lines) (Max 1325 Characters)

To manage Secured Litigations by and against the company including end to end SARFAESI proceedings, guide the team, manage stakeholders and overlook MIS, Co-ordination with Advocates, visiting Court on every day hearing and updating the same in MIS for publication.

2) Dimensions: Mention quantitative or qualitative parameters that are relevant for the job and provide a better understanding of the scope and scale of the job.

Other Quantitative and Important Parameters for the job

A good command over drafting and compliance documents.

Good working knowledge on laws relating to banking, SARFAESI, Arbitration, IBC, Negotiable instruments, contract act, etc.

Good drafting skills

Good team & stake holder management skill

3) Job Context & Major Challenges: Write the specific aspects of the job that provide a challenge (internal and external) to the jobholder in the context of the Business/Unit/Function/Department/Section ((Max 3975 Characters)
Organization Context Aditya Birla Finance Limited ("ABFL") is a lending subsidiary of Aditya Birla Capital Limited. ABFL is registered with RBI as a Systematically Important Non-Deposit accepting Non-Banking Finance Company (NBFC). ABFL is one of the top private diversified NBFCs in India. ABFL is one of the top private diversified NBFCs in India operating with several hundred of branches across India. ABFL offers end-to-end lending solutions to a diverse set of customers - Retail, HNI, MSMEs, and Mid & Large Corporates through secured as well as unsecured loan products. The diverse range of lending products includes Retail Small Ticket Secured and Unsecured Loans, Unsecured Personal Loans, Unsecured Business Loans, Health & Education Loans, Digital B2B2C and B2B2B Small Ticket Loans, Small Business Secured Loans, Loans Against Property (LAP), Lease Rental Discounting (LRD), Construction Finance (to Real Estate Developers), SME Loans, Capital Markets Loans (Loan Against Shares), Supply Chain Finance, Mid and Large Corporate Loans, and Infrastructure Finance loans. ABFL also has a Wealth Management division. ABFL is rated “AAA” by India Ratings, ICRA and CARE (reaffirmed in 2020). ABFL secured the ABG Business Excellence Award in 2017 (Silver), and 2015 (Bronze), and multiple other Awards on forums like CII Business Context: The Risk and Compliance function is engaged in evaluating the creditworthiness of the loan applications for CMG, CFG, SME and Mortgage lending divisions considering the quantitative & qualitative factors like ownership, size & market presence of the client business, capital adequacy, collateral quality, earnings quality, liquidity, management quality & client credibility & adherence to statutory requirements. The Risk & Compliance is engaged in formulating credit risk policies for all ABFL businesses, carries out risk assessment of credit proposals, obtains credit decisions from Credit Committees, monitors credit exposure and carries out recovery of over dues. It formulates risk policies in association with Central Risk, ABFSG for overall risk management in ABFL. Credit / Loan proposals prepared by Business Credit team are critically analyzed from credit risk perspective and the proposals along with Risk Assessment Sheet are put up to Credit Committee for approval. While carrying out critical evaluation of the credit proposal the function also carries out evaluation of the risk mitigants in the credit proposal like the nature and the quality of the collateral, adequacy of the collateral, acceptability of the collateral given the regulatory and the compliance needs. The Risk & Compliance function carries out monitoring of client wise exposure and portfolio exposure to identify ‘early warning signals’ of stress and to minimize NPAs. Currently monitoring is done in association with Business Teams as RMG does not have presence at Branch level. It carries out over due loan recovery from defaulting clients in coordination with Business Teams. Job Context: The Legal department would validate the regulatory & compliance requirements for the new business initiatives and product launches, conclude the litigations raised by or against the company, establish a sound corporate governance framework, execute legal agreements and provide transactional support in the investment processes. Within Legal department, Litigation team would need to support collections team in initiating appropriate legal actions in the delinquent account in order to create avenues of early resolution and to do the things incidental to utilization of such nuances. Challenges: Keeping abreast of the latest legal/statutory amendments, knowledge about various legal documents & liaising with multiple regulators Strong negotiation and arbitration skills, knowledge of agreement formulation & statutory regulations Detailed & process orientation & strong network. Management of collections litigation for taking it to logical conclusion.

3) Job Context & Major Challenges: Write the specific aspects of the job that provide a challenge (internal and external) to the jobholder in the context of the Business/Unit/Function/Department/Section ((Max 3975 Characters)

Organization Context

Aditya Birla Finance Limited ("ABFL") is a lending subsidiary of Aditya Birla Capital Limited. ABFL is registered with RBI as a Systematically Important Non-Deposit accepting Non-Banking Finance Company (NBFC). ABFL is one of the top private diversified NBFCs in India. ABFL is one of the top private diversified NBFCs in India operating with several hundred of branches across India.

ABFL offers end-to-end lending solutions to a diverse set of customers - Retail, HNI, MSMEs, and Mid & Large Corporates through secured as well as unsecured loan products. The diverse range of lending products includes Retail Small Ticket Secured and Unsecured Loans, Unsecured Personal Loans, Unsecured Business Loans, Health & Education Loans, Digital B2B2C and B2B2B Small Ticket Loans, Small Business Secured Loans, Loans Against Property (LAP), Lease Rental Discounting (LRD), Construction Finance (to Real Estate Developers), SME Loans, Capital Markets Loans (Loan Against Shares), Supply Chain Finance, Mid and Large Corporate Loans, and Infrastructure Finance loans. ABFL also has a Wealth Management division.

ABFL is rated “AAA” by India Ratings, ICRA and CARE (reaffirmed in 2020). ABFL secured the ABG Business Excellence Award in 2017 (Silver), and 2015 (Bronze), and multiple other Awards on forums like CII

Business Context:

The Risk and Compliance function is engaged in evaluating the creditworthiness of the loan applications for CMG, CFG, SME and Mortgage lending divisions considering the quantitative & qualitative factors like ownership, size & market presence of the client business, capital adequacy, collateral quality, earnings quality, liquidity, management quality & client credibility & adherence to statutory requirements.

The Risk & Compliance is engaged in formulating credit risk policies for all ABFL businesses, carries out risk assessment of credit proposals, obtains credit decisions from Credit Committees, monitors credit exposure and carries out recovery of over dues. It formulates risk policies in association with Central Risk, ABFSG for overall risk management in ABFL.

Credit / Loan proposals prepared by Business Credit team are critically analyzed from credit risk perspective and the proposals along with Risk Assessment Sheet are put up to Credit Committee for approval. While carrying out critical evaluation of the credit proposal the function also carries out evaluation of the risk mitigants in the credit proposal like the nature and the quality of the collateral, adequacy of the collateral, acceptability of the collateral given the regulatory and the compliance needs.

The Risk & Compliance function carries out monitoring of client wise exposure and portfolio exposure to identify ‘early warning signals’ of stress and to minimize NPAs. Currently monitoring is done in association with Business Teams as RMG does not have presence at Branch level. It carries out over due loan recovery from defaulting clients in coordination with Business Teams.

Job Context:

The Legal department would validate the regulatory & compliance requirements for the new business initiatives and product launches, conclude the litigations raised by or against the company, establish a sound corporate governance framework, execute legal agreements and provide transactional support in the investment processes.

Within Legal department, Litigation team would need to support collections team in initiating appropriate legal actions in the delinquent account in order to create avenues of early resolution and to do the things incidental to utilization of such nuances.

Challenges:

Keeping abreast of the latest legal/statutory amendments, knowledge about various legal documents & liaising with multiple regulators
Strong negotiation and arbitration skills, knowledge of agreement formulation & statutory regulations
Detailed & process orientation & strong network.
Management of collections litigation for taking it to logical conclusion.

Sr No.

Goals

Weight

Frequently Asked Questions

What are the eligibility criteria for the Legal Manager_Mumbai job at Aditya Birla Group?

Eligibility typically includes the qualifications and experience outlined in the job description above, with around 2-5 Years years of relevant experience expected for this role.

What are the primary responsibilities of a Legal Manager_Mumbai at Aditya Birla Group?

The key responsibilities for this role are detailed in the Key Responsibilities section above, covering the core duties expected of a Legal Manager_Mumbai at Aditya Birla Group.

Is prior experience required for this position?

This role requires around 2-5 Years years of relevant experience, as specified in the job listing. Please refer to the Qualifications & Experience section above for full details.

What skills are important for this role?

Skills relevant to this position are outlined in the Qualifications & Experience section above. In general, strong communication, domain knowledge, and the ability to meet role-specific targets are valued across similar BFSI positions.

How do I apply for the Legal Manager_Mumbai role at Aditya Birla Group?

You can apply directly using the Apply Now button on this page, which will take you to Aditya Birla Group's application process for this role.

Legal Manager_Mumbai

Aditya Birla Group — Mumbai, MUMBAI

Job Description

1) Job Purpose: Write the purpose for which the job exists (in 2-3 lines) (Max 1325 Characters)

3) Job Context & Major Challenges: Write the specific aspects of the job that provide a challenge (internal and external) to the jobholder in the context of the Business/Unit/Function/Department/Section ((Max 3975 Characters)

Frequently Asked Questions