Job Summary

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

Responsibilities

- 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 chance 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.

Qualifications

- Post-graduate degree
- Prior knowledge of SQL
- 8+ years of underwriting/Risk for unsecured products
- Experience on stakeholder management and team management

📌 Lead - Risk (Pune)
🏢 Bajaj Finance
📍 Pune