Assistant Manager - BFSD DMS Bkt 1 & 2

Bajaj Finance; Ludhiana; Sur place; INR 900 000 - 1 500 000; Plein temps

Résumé du poste

Bajaj Finserv Limited in India seeks a Risk Manager for the Co-Lending initiative. You will own end-to-end risk management across multiple loan products and partner ecosystems, focusing on policy execution and data-driven risk control.

You will develop and publish monthly risk reports, maintain the rule engine, and align partner master data with our systems. The role requires hands-on coding of risk policies, UAT sign-off, and proactive adaptation to business needs.

Qualifications

• Develops the team and supports them to achieve more.
• Listens to others, stays calm under pressure and treats everyone with respect.

Responsabilités

• Manage risk activities of the new Co-Lending initiative across microfinance, personal loans, housing, commercial vehicle, tractor gold loan.
• Monitor portfolio policy changes and implement rules in the system.
• Manage portfolio according to annual operating plans and risk KPIs.
• Prepare monthly risk reports and senior management MIS.
• Develop and publish monthly risk decks and manage Credit Rule Engine development.
• Code risk policy rules for each Co-lending partner and ensure UAT sign-off.
• Align partner masters with internal systems.

Connaissances

Emotional Intelligence

Description du poste

Job Summary

Job Purpose: Risk Portfolio management for each of the Co-lending partner. Culture Anchor: Have high ambitions - Inspires the team to aim for higher targets and supports in achieving them. Own It - Acknowledges uncertainty and makes changes in own decisions/actions for better outcomes.

Duties and Responsibilities

• The role will manage all Risk related activities of a new Strategic Business Initiative of the Company - "Co-Lending". The role will manage multiple products - Micro Finance, Personal Loans, Housing, Commercial Vehicle, Tractor Gold Loan.
• Co-Lending Portfolio Monitoring: Responsible for Product Program, Existing policy changes and implementation of Policy rules on System.
• Responsible for Portfolio Management according to annual operating plans and Risk KPI's.
• Responsible for Loan Loss budgeting AOP delivery on various risk KPIs.
• Ensure credit policies and program risk acceptance criteria are reviewed regularly, with timely updates for proactive adaptation to changes business strategies, market environment or portfolio performance.
• Responsible for tracking portfolio performance/TTD Metrics/Approval Rates Data Infrastructure MIS.
• Responsible for setting up Data Infrastructure related to Risk for Co-Lending business.
• Responsible for developing and publishing monthly risk reports to Senior Management.
• Responsible for Partner wise Monthly Risk deck preparation Development Management of Credit Rule Engine.
• Developing and managing Rule Engine coding to code Risk Policy rules of each Co-lending partner.
• Responsible for getting UAT testing of risk rules coded sign off.
• Understanding any policy rule changes communicated by the External Partners and executing the coding, testing sign off of the rule changes.
• Ensuring that the Rule Engine is working as coded and Error Rate is Nil.
• Responsible for Risk Masters maintenance in system.
• Alignment of Co-Lending Partners masters with our internal systems.

Required Qualifications and Experience

• Practice Emotional Intelligence - Develops the team, supporting them to do moreListens to others, stays calm under pressure, and treats everyone with respect.