Assistant Manager - BFSD Loans B2C PLCS

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

Job summary

Bajaj Finserv Limited is seeking a Risk Portfolio Manager for its Co-Lending initiative. The role involves managing risk across multiple lending products, monitoring KPIs, and developing the rule engine for risk policy implementation.

The incumbent will publish monthly risk reports to senior management, coordinate portfolio performance reviews, and align partner data with internal systems to support strategic objectives.

Qualifications

• Develops the team through emotional intelligence, listens to others, stays calm under pressure, and treats everyone with respect.

Responsibilities

• Manage Co-Lending risk policy rules across multiple products.
• Monitor portfolio according to annual operating plans and risk KPIs.
• Budget AOP delivery on various risk KPIs.
• Review credit policies and program risk acceptance criteria and update as needed.
• Track portfolio performance, TTD metrics, approval rates, data infrastructure MIS.
• Set up data infrastructure related to Risk for Co-Lending business.
• Develop and publish monthly risk reports to Senior Management.
• Prepare partner-wise monthly risk decks and manage the Credit Rule Engine.

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
• 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.