Aditya Birla Sun Life Insurance
Website:
adityabirlacapital.com
Job details:
Role Purpose
To drive institutional business growth through sourcing, structuring, and execution of Loan Against Securities (LAS), promoter funding, structured credit, capital market-linked financing, and treasury-led lending solutions for large corporates, promoter groups, family offices, NBFCs, and emerging enterprises.
The role involves client acquisition, transaction structuring, cross-functional coordination, risk monitoring, and portfolio management while ensuring profitability, superior client experience, and strong asset quality.
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Key Responsibilities
1. Business Development & Portfolio Growth
* Source and originate Institutional LAS, promoter funding, margin-backed facilities, and capital market-linked transactions.
* Build and manage relationships with:
* Promoters
* CFOs
* Treasury Heads
* Family Offices
* Investment Banks
* PE/VC Funds
* Brokerages
* Listed and unlisted corporates
* Drive new client acquisition across assigned geographies and sectors.
* Identify financing opportunities against:
* Listed equity
* Mutual funds
* Bonds
* ESOPs
* Structured collateral pools
* Develop strong market connectivity with intermediaries, arrangers, merchant bankers, and wealth platforms.
* Build a scalable and profitable institutional portfolio with focus on yield optimization and risk-adjusted returns.
* Participate in structuring of:
* IPO financing
* Pre-IPO funding
* Acquisition financing
* Promoter funding
* Structured debt solutions
* Bridge financing
* Capital market exposure-backed lending
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2. Transaction Structuring & Execution
* Understand client funding requirements and structure customized financing solutions.
* Conduct preliminary assessment of:
* Collateral quality
* Market liquidity
* Promoter profile
* Financial strength
* End-use of funds
* Work closely with Risk, Legal, Compliance, Operations, Treasury, and Credit teams for deal execution.
* Prepare and present transaction notes, financial analysis, and pricing proposals.
* Ensure timely sanction, documentation, disbursement, and closure of transactions.
* Monitor exposure utilization, drawing power, and covenant adherence.
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3. Revenue & Profitability Management
* Drive portfolio profitability through:
* Interest income
* Processing fees
* Structured fee income
* Cross-sell opportunities
* Optimize pricing based on:
* Client profile
* Security cover
* Market volatility
* Risk-return matrix
* Maximize fee-based income through transaction structuring and ancillary banking products.
* Achieve business targets related to:
* AUM growth
* Revenue
* ROA/ROE
* Yield
* Fee income
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4. Portfolio Monitoring & Risk Management
* Ensure high-quality portfolio management with strong focus on asset quality and risk containment.
* Track daily collateral movement, market volatility, and margin positions.
* Monitor concentration risks and sectoral exposures.
* Ensure timely margin calls, top-ups, and risk mitigation actions.
* Minimize delinquency, stress accounts, and NPAs.
* Escalate early warning signals and adverse market developments proactively.
* Ensure compliance with internal credit policies and regulatory guidelines.
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5. Market Intelligence & Strategic Inputs
* Track developments in:
* Equity markets
* Debt markets
* Regulatory changes
* Interest rate cycles
* Institutional financing trends
* Provide market intelligence and competitive insights to senior management.
* Suggest improvements in:
* Product structure
* Pricing
* Risk policies
* Operational processes
* Build strong understanding of capital market ecosystem and emerging funding opportunities.
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6. Stakeholder Management & Process Adherence
* Coordinate effectively with internal stakeholders for seamless transaction processing.
* Ensure adherence to:
* Credit policies
* Compliance standards
* Audit requirements
* Documentation standards
* Support MIS reporting, portfolio reviews, and management updates.
* Maintain high standards of governance, integrity, and client servicing.
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Desired Candidate Profile
Education
* MBA / PGDM (Finance)
* CA / CFA preferred
* Engineering + MBA preferred
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Experience
For SRM:
* 5–10 years of relevant experience in:
* Institutional LAS
* Capital market lending
* Structured finance
* Wholesale banking
* Promoter funding
For RH:
* 10–18 years of experience with team handling and regional business leadership exposure.
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Preferred Skill Sets
* Strong understanding of capital markets and lending products
* Knowledge of LAS structures, promoter funding, and structured credit
* Strong financial analysis and credit understanding
* Relationship management and negotiation skills
* Understanding of market risk and collateral monitoring
* Strong communication and stakeholder management abilities
* Ability to originate and close large-ticket transactions
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Key Products Covered
* Institutional LAS
* Promoter Funding
* IPO Financing
* ESOP Funding
* Structured Credit
* Loan Against Mutual Funds/Bonds
* Margin Trade Funding
* Acquisition / Bridge Financing
* Capital Market-linked Lending Solutions
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Key Performance Indicators (KPIs)
* Portfolio/AUM Growth
* Revenue & Yield Achievement
* Fee Income Generation
* New Client Acquisition
* Portfolio Quality / NPA Levels
* Cross-Sell Revenue
* TAT for Deal Closure
* Client Retention & Relationship Depth
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Preferred Industry Background
Candidates from:
* Banks
* NBFCs
* Capital Market NBFCs
* Wealth Management Firms
* Structured Finance Platforms
* Brokerage-led Financing Businesses
* Investment Banking / Treasury-linked lending institutions
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