ABC - Aditya Birla Housing Finance LimitedPunjab, IndiaOn-siteFull-time
Listing expiry: 24 October 2026
About the role
Role Overview
Lead non-litigation legal assessment and documentation for retail, prime, affordable, and construction-finance lending proposals. The role focuses on legal due diligence, title-risk mitigation, legal vetting, contractual documentation, regulatory alignment, portfolio monitoring, and collaboration with business, credit, risk, and external legal teams.
Key Responsibilities
- Assess, approve, and recommend retail, prime, affordable, and construction-finance lending proposals from a legal perspective.
- Review post-disbursement documentation, escrow arrangements, management information systems, and exceptions.
- Develop and maintain legal due-diligence policies, product policies, procedures, and collateral-acceptance standards.
- Conduct legal vetting of APF and construction-finance proposals, draft transaction-specific covenants, and maintain retail legal agreements and templates.
- Draft and release legal documents for execution and manage the legal due-diligence process with external panel lawyers.
- Draft, review, and negotiate contracts, undertakings, and other documents involving vendors, service providers, lenders, co-lenders, financial institutions, and third parties.
- Guide business, credit, and risk teams on escalations, exceptional cases, risk mitigation, and lending decisions.
- Coordinate with credit and pricing committees and respond to queries from sanctioning authorities.
- Monitor turnaround times and service-level compliance for proposal validation, title opinions, search reports, and escrow-related matters.
- Review portfolio risks involving defective title, possession issues, builder disputes, third-party agreements, sale-deed defects, and security-creation failures.
- Monitor loan covenants, repayment schedules, changes to sanctioned terms, and early warning signals of credit deterioration.
- Work with collections and legal teams to take action against defaulting parties.
- Prepare and monitor MIS reports, portfolio analytics, and expected credit loss requirements.
- Provide inputs for new products, lending policies, processes, credit norms, and regulatory changes.
- Guide team members, support training, improve analytical skills, and promote risk awareness across business, credit, technical, and sales teams.
Additional Details
- Desired skills include documentation and MIS, legal administration, stakeholder management, and MIS analytics.