Senior Lead - Risk, Consumer B2C, Risk - PLCS

BASIC SECTION

Job Location

“This position is open with Bajaj Finance ltd.” To reduce/maintain risk at current levels and improve portfolio quality, leading to lower losses

3. PRINCIPAL ACCOUNTABILITIES (Accountabilities associated with the job)  Effective team and stakeholder management.  Regular engagement with cross functional team  End to end understanding of loss projections in terms of AOP, recalibrated estimations done monthly basis bounce/collection inputs/trends.  Responsible for analyzing departmental risk policies, portfolio analysis, policy audits, bounce analysis and new customer acquisition analysis.  Regular engagement with stakeholders to identify new business opportunity and take policy actions on marginal segments.  Actively engagement with RCU team to keep controls on fraud accounts at acquisition levels. Understanding past trends and build fraud trigger mechanism  Required system changes and controls to be explored and get this build in system  Review Risk review and operating deck with the team and provide insight which will lead portfolio quality.  Risk management, process enhancement, business analysis and data analysis and take proactive corrective actions on the basis of portfolio performance.  Understanding of SQL and automated BI reports to get execute required outcomes  Monitor risk metrics and highlight any stress/trends and simulate on historical data for projected impact of proposals  Ensuring policies are aligned to customer requirements and capture the right segments mix which helps in meeting targeted business volumes and budgeted loss rates.

SKILLS AND KNOWLEDGE (Minimum acceptable proficiency for this job which best indicates the education and/or experience requirements of this job and not the incumbent) Educational Qualifications a) Qualifications Post-graduate degree Prior knowledge of SQL b) Work Experience 8+ years of underwriting/Risk for unsecured products Experience on stakeholder management and team management