Assistant Manager - BFSD Loans B2C PLCS

Bajaj Finance; Gudivada; On-site; INR 2,000,000 - 3,800,000; Full time

Job summary

Bajaj Finserv Limited is seeking a Risk Portfolio Manager to oversee Co-Lending risk across multiple products including Micro Finance, Personal Loans and Housing. The role focuses on portfolio monitoring, policy implementation, and risk KPI delivery.

You will build and publish monthly risk reports to senior management, align partner risk masters with internal systems, and ensure the rule engine codes policy rules accurately.

Qualifications

• Emotional intelligence and team development.
• Calm under pressure with respectful leadership.

Responsibilities

• Co-Lending risk management across new strategic initiative.
• Manage risk across Micro Finance, Personal Loans, Housing, CV, Tractor Gold Loan products.
• Co-Lending portfolio monitoring and policy implementation in the system.
• Track risk KPI's and AOP delivery for credit risk.
• Develop and publish monthly risk reports to Senior Management.
• Develop and manage the Credit Rule Engine and rule coding for risk policies.
• Coordinate UAT and sign-off for risk rules.
• Align Co-Lending Partners' masters with internal systems.

Skills

Emotional Intelligence

Job description

Job Summary

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
• 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.