Assistant Manager - BFSD Loans B2C PLCS

Bajaj Finance; Puri; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Bajaj Finserv Limited in India seeks a Risk Portfolio Manager for the Co-Lending initiative. You will own risk activities, monitor portfolios across Micro Finance, Personal Loans, Housing, and other products, and ensure policies are timely updated.

You will build and publish monthly risk reports for senior management, develop the credit rule engine, and align partner data with internal systems to maintain risk integrity.

Qualifications

• Demonstrates emotional intelligence and team leadership.
• Excellent listening skills and calm under pressure.

Responsibilities

• Co-Lending risk portfolio monitoring across multiple products (Micro Finance, Personal Loans, Housing, CV, Tractor Gold Loan).
• Develop and implement risk policies and system rules for Co-Lending partners.
• Manage data infrastructure related to risk and publish monthly risk reports to senior management.

Skills

Emotional Intelligence

Active Listening

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
• 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.