What are the eligibility criteria for the Vertical Head - Product Risk job at Aditya Birla Group?

Eligibility typically includes the qualifications and experience outlined in the job description above, with around 15-20 Years years of relevant experience expected for this role.

What are the primary responsibilities of a Vertical Head - Product Risk 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 Vertical Head - Product Risk at Aditya Birla Group.

Is prior experience required for this position?

This role requires around 15-20 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 Vertical Head - Product Risk 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.

Job Description

Basic Details: Fill the required information about business, unit, location, position, reports to position and date of updation of JD

Business	Financial Services
Unit	Aditya Birla Capital Limited
Location	Mumbai
Poornata Position Number of the job		Reports to: Poornata Position Number
Poornata Position Title of the job	Lead Product Risk	Reports to: Poornata Position Title	Head- Enterprise Risk & Policy
Function	Risk Management	Reports to: Function	Risk Management
Department	Risk Management	Reports to: Department	Risk Management
Date of writing/ Updating of JD	24 June 2025

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

Risk Reviews and recommendation of credit proposals including Risk-reward appropriateness from Counterparty credit risk, industry risk, collateral risk, etc.
Conducting Portfolio monitoring and identifying potential risks indicators including early warning signals and highlighting the same to credit and business teams for follow up remedial actions
Enterprise Risk: Assist LOBs in enhancement of Risk Management policies, practices, processes and controls on an ongoing basis

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.
Business Workforce Number		6900
Unit Workforce Number		6900
Function Workforce Number		310
Department Workforce Number		120-130
Other Quantitative and Important Parameters for the job: Budgets/ Volumes/No. of Products/Geography/ Markets/ Customers or any other parameter	Credit Risk management Policies for 4 verticals of ABCL Risk review Notes for credit proposals CC2, CC3, CC4 Risk Appetite Monitoring / Portfolio Management for 4 verticals of ABCL Oversight of enterprise risk policy framework for LOBs Industry / sectoral risk assessment General risk management activities including managing of Audits (Supervisory and internal)

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
Organizational Context Aditya Birla Capital Limited (“ABCL”) is a listed systemically important non-deposit taking Non-Banking Financial Company (NBFC) and the holding company of the financial services businesses. ABCL and its subsidiaries/JVs provides a comprehensive suite of financial solutions across Loans, Investments, Insurance, and Payments to serve the diverse needs of customers across their lifecycles. Powered by over 60,000 employees, the businesses of ABCL have a nationwide reach with over 1,623 branches and more than 200,000 agents/channel partners along with several bank partners. ABCL and its subsidiaries/JVs manage aggregate assets under management of over Rs. 5.11 Lakh Crore with a consolidated lending book of over Rs 1.57 Lakh Crore as of March 31, 2025. Aditya Birla Capital Limited is a part of the US$66 billion global conglomerate Aditya Birla Group, which is in the league of Fortune 500. Anchored by an extraordinary force of over 187,000 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, the Group’s businesses have grown into global powerhouses in a wide range of sectors - from metals to cement, fashion to financial services and textiles to trading. Today, over 50% of the Group’s revenues flow from overseas operations that span over 40 countries in North and South America, Africa, Asia, and Europe. Job Context Key objectives: Develops, recommends and monitors Infra, Mid-Market, Wealth & CMG credit policies and procedures, ensuring regulatory compliance Sets overall risk appetite in partnership with senior management and the business lines to develop a coordinated and cohesive risk-taking strategy Develop and enhance the Credit Reporting & Monitoring framework which meets the requirements of various external & internal stakeholders Recommend modifications that reflect developing risks, economic conditions and projections, and the competitive environment Monitor economic performance across all credit decisions and partner with our business and credit team to identify improvement opportunities The role also involves training of credit and business teams and alignment with the organizational goals set for the Secured/unsecured line of business. Determining that applicants (Mid-Market & CMG) qualify for loans based on their income, assets, and other factors such as credit history and employment status. Reviewing a company’s existing loan portfolio to ensure that all loans are performing as expected. Contribute in building and enhancing framework for Credit Risk Management across ABCL Working closely with stakeholders for effective Portfolio Management and Risk Appetite monitoring Coordinating with stakeholders across ABCL and LOBs to value add on Credit Risk function. Challenges: Managing Credit Risk Policy for Infra, MM, CMG with clients having diverse business models across industries and complex group structures, multi-banking and consortium/SPV arrangements with varied borrower expectations. Infra involves long gestation projects with extended construction and stabilization periods. Ticket sizes are large with bespoke structuring Regulatorily intensive segments (e.g., power, roads, ports, renewables) Ongoing monitoring of portfolio and flagging problem accounts using early warning triggers is critical

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

Organizational Context

Aditya Birla Capital Limited (“ABCL”) is a listed systemically important non-deposit taking Non-Banking Financial Company (NBFC) and the holding company of the financial services businesses. ABCL and its subsidiaries/JVs provides a comprehensive suite of financial solutions across Loans, Investments, Insurance, and Payments to serve the diverse needs of customers across their lifecycles. Powered by over 60,000 employees, the businesses of ABCL have a nationwide reach with over 1,623 branches and more than 200,000 agents/channel partners along with several bank partners. ABCL and its subsidiaries/JVs manage aggregate assets under management of over Rs. 5.11 Lakh Crore with a consolidated lending book of over Rs 1.57 Lakh Crore as of March 31, 2025.

Aditya Birla Capital Limited is a part of the US$66 billion global conglomerate Aditya Birla Group, which is in the league of Fortune 500. Anchored by an extraordinary force of over 187,000 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, the Group’s businesses have grown into global powerhouses in a wide range of sectors - from metals to cement, fashion to financial services and textiles to trading. Today, over 50% of the Group’s revenues flow from overseas operations that span over 40 countries in North and South America, Africa, Asia, and Europe.

Job Context

Key objectives:

Develops, recommends and monitors Infra, Mid-Market, Wealth & CMG credit policies and procedures, ensuring regulatory compliance
Sets overall risk appetite in partnership with senior management and the business lines to develop a coordinated and cohesive risk-taking strategy
Develop and enhance the Credit Reporting & Monitoring framework which meets the requirements of various external & internal stakeholders
Recommend modifications that reflect developing risks, economic conditions and projections, and the competitive environment
Monitor economic performance across all credit decisions and partner with our business and credit team to identify improvement opportunities
The role also involves training of credit and business teams and alignment with the organizational goals set for the Secured/unsecured line of business.
Determining that applicants (Mid-Market & CMG) qualify for loans based on their income, assets, and other factors such as credit history and employment status.
Reviewing a company’s existing loan portfolio to ensure that all loans are performing as expected.
Contribute in building and enhancing framework for Credit Risk Management across ABCL
Working closely with stakeholders for effective Portfolio Management and Risk Appetite monitoring
Coordinating with stakeholders across ABCL and LOBs to value add on Credit Risk function.

Challenges:

Managing Credit Risk Policy for Infra, MM, CMG with clients having diverse business models across industries and complex group structures, multi-banking and consortium/SPV arrangements with varied borrower expectations.
Infra involves long gestation projects with extended construction and stabilization periods. Ticket sizes are large with bespoke structuring
Regulatorily intensive segments (e.g., power, roads, ports, renewables)
Ongoing monitoring of portfolio and flagging problem accounts using early warning triggers is critical

4) Key Result Areas: Write the key results expected from the job and the supporting actions for each of these key result areas (For a majority of jobs typically there could be 4- 7 key result areas)
Key Result Areas	Supporting Actions
Managing the Policy framework for Credit Risk Management for Infra, Mid-Market, Capital Markets and oversight of policy framework for Group companies	Work in close coordination with Business and Credit teams for managing the Policy framework for Credit Risk management and for individual business segments Infra, Mid-Market, Capital Markets
Makhija Royale, 701, Swami Vivekananda Rd, Govind Dham, Ram Krishna Nagar, Khar West, Mumbai, Maharashtra 400052 8104468345 9137523589 Follow us on © 2026 Finploy. All rights reserved. PRODUCT Pricing Browse Jobs GET TO KNOW US Contact Support ABOUT US About Us Contact Us Privacy Policy Terms and Conditions Refund & Cancel Policy Makhija Royale, 701, Swami Vivekananda Rd, Govind Dham, Ram Krishna Nagar, Khar West, Mumbai, Maharashtra 400052 8104468345 9137523589 Follow us on © 2026 Finploy. All rights reserved.

Vertical Head - Product Risk

Aditya Birla Group — Mumbai, MUMBAI

Job Description

Basic Details: Fill the required information about business, unit, location, position, reports to position and date of updation of JD

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

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

4) Key Result Areas: Write the key results expected from the job and the supporting actions for each of these key result areas (For a majority of jobs typically there could be 4- 7 key result areas)