Assistant Manager - BFSD Loans B2C PLCS

Bajaj Finance; Machilipatnam; Presencial; INR 900.000 - 1.800.000; Jornada completa

Descripción de la vacante

Bajaj Finserv Limited is seeking a seasoned risk portfolio professional to manage Co-Lending risk programs. You will oversee portfolio monitoring, policy implementation, and data infrastructure to support risk decisions across Micro Finance, Personal Loans, Housing, and Vehicle lending.

You will champion risk-based process improvements, develop monthly risk reports for senior management, and align partner data with internal systems to drive proactive risk management for the Co-Lending initiative.

Formación

• Experience in risk portfolio management for lending initiatives.

Responsabilidades

• Co-Lending portfolio monitoring and risk KPI tracking.
• Manage policy changes and system implementation of risk policies.
• Develop and publish monthly risk reports to Senior Management.
• Align Co-Lending partner masters with internal systems.

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.