Job Purpose

This position is open with Bajaj Finance ltd.

Candidate will be responsible for managing flexi portfolio for SME. Activities related to blocking/unblocking and reporting will be part of responsibilities.

Duties and Responsibilities

PRINCIPAL ACCOUNTABILITIES (Accountabilities associated with the job)

• Highlight cases triggered as per through the door rule set.
• Engage with sales and credit teams to identify risk.
• Formulate learnings from through the door into policies.
• Actively engage in Portfolio management related to flexi line management.
• Blocking and Unblocking of limits.
• Propose policy refinements as per business/market requirement.
• Identify opportunities and propose strategies to enhance business.
• Formulate, implement and monitor portfolio segments to enable Business Teams.
• Monitor, manage & refine IT platform SFDC for better risk management.
• Execute reports on SFDC, Datamart, etc. to identify any issues related to incorrect system behavior (e.g. case approved by system which ideally should be rejected as per Policy).
• Periodic testing of System validation approval and line assignment rules.
• Routine interaction with stakeholder (Business, Credit, RCU, Ops and IT), and tracking / closure of minute items.
• Work with COE and Product team to formulate, test and implement business opportunities/requirements.
• Conduct Business UAT for new developments, provide signoff and closely monitor the development post production deployment.
• Periodic reporting of MIS and Dashboards (Bounce, Projected risk metrics, etc.).
• Assist Sales Team to resolve cases which are stuck due to system issues.

MAJOR CHALLENGES (Challenges faced on an on-going basis in carrying out the job)

• Dynamic portfolio with multiple variables influencing risk performance.
• High velocity – Expertise required to manage huge data sets.
• Draw meaningful / actionable insights as an outcome of data analysis.
• Ongoing liaising with IT, Business and BIU teams to ensure timely reporting of critical performance indicators.

Required Qualifications and Experience

• Qualifications: Graduate/ Post-Graduate having Banking domain knowledge.
• Work Experience: 8 - 10 years’ experience in retail or consumer lending.
• Excellent analytical, data management and presentation skills.
• Exposure to data management tools Eg. SQL/Power BI etc.
• Effective verbal and written communication skills and stakeholder management.