Assistant Manager - BFSD Loans B2C PLCS

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

Job summary

Bajaj Finserv Limited seeks a senior Risk Portfolio Manager to oversee Co-Lending risk across multiple product lines. The role focuses on policy implementation, data infrastructure, and rule engine development to support risk-aware decision making.

You will lead portfolio monitoring, KPI delivery, and monthly risk reporting to senior management, while coordinating with external partners on rule changes and testing to ensure smooth operations and compliance.

Qualifications

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

Responsibilities

• 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
• Review credit policies and risk acceptance criteria regularly and update for changes in business strategies, market environment or portfolio performance
• Track portfolio performance; TTD metrics; approval-rate data and MIS
• Set up Data Infrastructure related to Risk for Co-Lending business
• Develop and publish monthly risk reports to Senior Management
• Prepare risk decks by partner; manage the Credit Rule Engine
• Develop/rule-engine coding to implement Risk Policy rules of each Co-Lending partner
• UAT testing of risk rules coded; sign off
• Understand policy rule changes from External Partners and code/test sign-off
• Ensure Rule Engine works as coded and error rate is Nil
• Maintain Risk Masters in the system
• Align Co-Lending Partners masters with internal systems

Skills

Emotional Intelligence

Calm under pressure

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.

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