Assistant Manager - BFSD Loans B2C PLCS

Bajaj Finance; Kozhikode district; On-site; INR 1,500,000 - 2,700,000; Full time

Job summary

Bajaj Finserv Limited in Kozhikode, India, seeks a Risk Portfolio Manager for its Co-Lending initiative. You will oversee risk activities across multiple loan products and drive policy implementation in the system.

You will develop risk reports, manage the Rule Engine, and ensure policy changes are translated into testing and deployment. The role emphasizes leadership and data-driven decision making within a fast-growing strategic program.

Qualifications

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

Responsibilities

• Manage all Risk related activities of the Co-Lending initiative.
• Manage multiple products: Micro Finance, Personal Loans, Housing, Commercial Vehicle, Tractor Gold Loan.
• Co-Lending Portfolio Monitoring.
• Policy management: changes and system implementation.
• Portfolio management according to annual operating plans and Risk KPIs.
• Budgeting Loan Loss for AOP delivery on various risk KPIs.
• Review and update credit policies and risk acceptance criteria.
• Track portfolio performance/TTD metrics/approval rates data and MIS.
• Set up data infrastructure related to Risk for Co-Lending.
• Publish monthly risk reports to Senior Management.
• Develop and manage Credit Rule Engine coding for each partner.
• Code Risk Policy rules for each Co-lending partner and perform UAT testing.
• Align partner masters with internal systems.

Skills

Emotional Intelligence

Job description

Job Summary

Risk portfolio management for each of the co-lending partners. 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.