Job Summary

Risk Portfolio management for each of the Co-Lending partner. Culture Anchor: Have high ambitions - Inspires the team to aim for higher targets and supports in achieving them. Own It - Acknowledges uncertainty and makes changes in own decisions/actions for better outcomes.

Duties and Responsibilities

- The role will manage all Risk related activities of a current Strategic Business Initiative of the Company - Co-Lending.
- The role will manage multiple products - Micro Finance, Personal Loans, Housing, Commercial Vehicle, Tractor Gold Loan.
- Co-Lending Portfolio Monitoring.
- Responsible for Product Program, Existing policy changes and implementation of Policy rules on System.
- Responsible for Portfolio Management according to annual operating plans and Risk KPIs.

- Responsible for Loan Loss budgeting AOP delivery on various risk KPIs.
- Ensure credit policies and program risk acceptance criteria are reviewed regularly, with timely updates for proactive adaptation to changes in business strategies, market environment or portfolio performance.




- Responsible for tracking portfolio performance/TTD Metrics/Approval Rates Data Infrastructure MIS.

- Responsible for setting up Data Infrastructure related to Risk for Co-Lending business.
- Responsible for developing and publishing monthly risk reports to Senior Management.
- Development Management of Credit Rule Engine.

- Developing and managing Rule Engine coding to code Risk Policy rules of each Co-Lending partner.
- Responsible for getting UAT testing of risk rules coded sign off.
- Understanding any policy rule changes communicated by the External Partners and executing the coding, testing sign off of the rule changes.

- Ensuring that the Rule Engine is working as coded and Error Rate is Nil.
- Responsible for Risk Masters maintenance in system.
- Alignment of Co-Lending Partners masters with our internal systems.

Required Qualifications and Experience

- Practice Emotional Intelligence - Develops the team, supporting them to do more.
- Listens to others, stays calm under pressure, and treats everyone with respect.

📌 Area Manager - BFSD DMS Low IRR (Pune)
🏢 Bajaj Finance
📍 Pune