Job Summary

This position is open with Bajaj Finance Ltd. The candidate will be responsible for managing flexi portfolio for SME. Activities related to blocking/unblocking and reporting will be part of responsibilities.

Responsibilities
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 prospects and propose strategies to enhance business. Formulate, implement and monitor portfolio segments to enable Business Teams.
Monitor, manage and 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 stakeholders (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 current 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
Energetic 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
Graduate/Post-Graduate having Banking domain knowledge.
2 - 3 years' experience in retail or consumer lending.
Excellent analytical, data management and presentation skills.
Exposure to data management tools e.g. SQL/Power BI etc.
Effective verbal and written communication skills and stakeholder management.

📌 Deputy Manager Risk Pune
🏢 Bajaj Finance
📍 Pune