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Bajaj Finance
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Lead - Risk

Lead - Risk

Bajaj Finance

6 - 8 years

8 - 12 Lacs

pune

Posted:3 days ago| Platform:

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Skills Required

monitoring portfolio management data management management finance risk it management analytics systems publishing data management data management infrastructure infrastructure budgeting testing business

Work Mode

Work from Office

Job Type

Full Time

Job Description

Job Purpose

Risk Portfolio management for each of the Co-lending partner.Culture Anchor:Think like an Entrepreneur - Encourages new ideas, helps teams improve, and supports them in taking up challengesPractice Emotional Intelligence - Listens to others, stays calm under pressure, and treats everyone with respect.Transform Continuously - Explores opportunities and encourages teams to improve processes and systems for better delivery.Own it - Ensures teams achieve targets, drives capability building and inculcates a sense of accountability in the team.

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 KPIs

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
a)QualificationsPost-graduation b)Work ExperienceMinimum 6-8 yearsPast experience across functions of risk, analytics, data management, IT workflows and Fraud Past experience across multiple products PL, SME, Cards, Secured loans Techno-functional expertise covering understanding of risk, business and technology

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Lead - Risk