Business Analyst (BRE)

Job Description - IT

Enriching Lives Winning as ONE

ABC Company Info

Aditya Birla Capital Limited ("ABCL") is the holding company for the financial services businesses of the Aditya Birla Group. With subsidiaries/JVs that have a strong presence across Protecting, Investing and Financing solutions, ABCL is a financial solutions group that caters to the diverse needs of its customers across their life cycle. Powered by more than 38,000 employees, the businesses of ABCL have a nationwide reach with over 1300 branches, more than 2,00,000 agents/channel partners and various bank partners.

Aditya Birla Finance Limited

Aditya Birla Finance Limited (“ABFL”), a subsidiary of Aditya Birla Capital Limited, is among the leading well-diversified non-banking financial services company in India. ABFL offers customized solutions in the areas of personal finance, mortgage finance, SME finance, corporate finance, wealth management, debt capital markets and loan syndication.

What makes an ideal ABC Citizen?

At ABC, we are constantly on the lookout for individuals who resonate with our 5 core values of Speed, Passion, Integrity, Seamlessness and commitment and live them every day, while also understanding our vision. We believe in building leaders who thrive on challenges, take the onus of creating and sustaining strong teams, and forms strong networks as a result of effective relationship-building.

Role Details

Business

Aditya Birla Capital

Unit

Aditya Birla Capital Limited

Location

Thane

Role

Business Analyst

Department

Information Technology

Eligibility Criteria

Bachelor or master’s degree, Experience in Collection for mid market/corporate

Required Skills & Competencies

• Bachelor's degree in Accounting, Finance, Information Technology, or related field
• SAP FI Certification (good to have)
• Strong knowledge of SAP FI modules and configurations
• Experience with SAP S/4HANA (preferred)
• Excellent analytical and problem-solving skills
• Good communication and interpersonal skills
• Ability to work independently and as part of a team
• Strong organizational and time-management skills
  
  

Responsibilities

Key Result Areas:

Supporting Actions

BRE Platform Experience

• Hands-on experience with BRE platforms such as Experian, FICO Blaze Advisor, Drools, DMN tools, or similar.
  
  

Rule Documentation

• Maintain detailed documentation of all business rules, decisioning workflows, and testing results.
  
  

Cross-Functional Coordination

• Act as a bridge between business teams, IT teams, and third-party vendors to ensure seamless rule implementation.
  
  

Business & Functional Requirement Gathering

• Collaborate with credit, risk, operations, and other business units to gather and document requirements for loan processing and decision-making.
  
  

Lending Policy and Workflow Analysis

• Analyze lending policies, regulatory guidelines, and business workflows to identify automation opportunities using BRE.
  
  

Rule Definition and Modeling

• Define and model rules for credit scoring, eligibility, pricing, underwriting, and decisioning in alignment with NBFC policies.
  
  

Loan Product Rule Framework Development

• Develop decision matrices, rule sets, and scenarios across loan products like Personal Loans, Business Loans, Home Loans, and LAP.
  
  

BRE Rule Configuration

• Work with developers to configure decision tables, logic flows, and business rules within the BRE engine.
  
  

Rule Validation and Testing

• Design and execute test cases to validate rule logic, compliance, and performance across various lending scenarios.
  
  

Stakeholder Enablement & Walkthroughs

• Conduct workshops and walkthroughs to help stakeholders understand the implemented business rules and workflows.
  
  

Candidate Profile

• Strong understanding of lending processes, including loan origination, credit underwriting, disbursement, and collections.
• Should be able to understand & interpret lending policy pertaining to eligibility, deviation, and controls.
• Familiarity with NBFC regulations, KYC norms, and compliance standards.
• Excellent communication, stakeholder management, and problem-solving skills.
• Bachelor's degree in Finance , Business, IT, or related fields. A Master’s degree or MBA is a plus.
• 4 + years of experience as a Business Analyst, with at least 2+ years focused on lending in the NBFC / Banking sector.
  
  

Refer the links to know more Growth & Culture at ABC: https://www.adityabirlacapital.com/careers?ref=abc-homepage

Stay updated with Life at ABC -

• Follow our LinkedIn Page: https://www.linkedin.com/company/aditya-birla-capital
• Browse our Glassdoor Reviews: https://shorturl.at/fJKQ0
  
  

Disclaimer

Aditya Birla Capital is committed to provide equal opportunity to all in employment and prohibits discrimination or harassment in any form on the basis of race, colour, religion, ethnicity, age, gender, disability or any other characteristic protected by law. Diversity, Equity and Inclusion (DEI) is embedded in our recruitment policies based on our business needs and candidates meeting the eligibility criteria such as qualification, skills and experience.

Important

• Aditya Birla Capital and its member companies do not demand or accept money from job applicants.
• Any job offer made against a service charge or security deposit or processing fees or background verification expenses or any other terms, whether refundable or non-refundable should be considered fake.
• An authentic job offer mail from us will have our domain name (adityabirlacapital.com).
• Please be aware of fraudsters using fake URLs to mask themselves as senders from reputed organisations. Hence always check and verify the email ID.
• Any mail offering a job, interview date and asking for personal details should be handled with caution, especially if the mail address list also includes email IDs ending with Gmail/Yahoo/Hotmail/Live domains.
• In case a job applicant is offered a job against payment in any form, or has accepted employment from fraudulent persons, Aditya Birla Capital and its member companies will NOT be held liable and responsible for any consequences thereof.
• Please remain vigilant of such offers and notify us here .You may also lodge a complaint with the law enforcement agencies.
• Beware of fake websites, email IDs, Facebook, LinkedIn pages that appear similar to ours.
• We reserve the right to initiate any appropriate action as we deem fit.