Assistant Manager - BFSD Loans B2C PLCS

Bajaj Finance; Karnal; Presencial; INR 1.200.000 - 1.600.000; Jornada completa

Descripción de la vacante

Bajaj Finserv Limited seeks a risk portfolio professional to manage all risk activities for a new Co-Lending initiative. The role covers multiple loan products and directs portfolio monitoring, policy enforcement, and monthly reporting to senior leadership.

Key duties include developing risk rules for partner policies, ensuring data integrity, and driving proactive changes to risk controls while guiding the team toward high performance in a dynamic market.

Formación

• Demonstrates emotional intelligence to develop the team, manage pressure calmly, and treat others with respect.

Responsabilidades

• Manage risk activities for the Co-Lending initiative and align with business strategy.
• Coordinate portfolio monitoring across microfinance, personal loans, housing, and vehicle loans.
• Develop and publish monthly risk reports to senior management.
• Oversee the risk rule engine for partner-specific policies and ensure UAT sign-off.

Conocimientos

Emotional Intelligence

Descripción del empleo

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.

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 more. Listens to others, stays calm under pressure, and treats everyone with respect.