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.
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 opportunities 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.
- Identify any issues related to incorrect system behavior (for example, a case approved by the system which ideally should be rejected as per policy).
- Periodic testing of system validation approvals 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 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
- Agile 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.
📌 Area Manager - BLSE & LAP (Nellore)
🏢 Bajaj Finance
📍 Nellore
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