Job Purpose
To drive sustainable Gold Loan business growth by developing and managing risk policies, ensuring portfolio quality, operational excellence, and regulatory compliance.
Duties and Responsibilities
? Responsible for formulating, implementation/dissemination & adherence of risk policy for Gold loan.
? Working closely with product team tweaking policy as per market requirement
? Travel to locations to understand market and refine and upgrade policy as per market requirement and after risk assessment
? Portfolio risk monitoring & management & Maintaining loss rates within budget
? Monthly loss estimation and calculation.
? Defining various risk metrics and monitoring them and publishing to enable senior management to take various strategic decisions
? Define and ensuring adherence of acquisition processes for frontend, operations process for operations
? Building framework to continuously assess and evaluate system capabilities to eliminate operational loss
? Support business in various initiatives and promotions by enabling business growth and maintaining portfolio quality
? Regulatory compliance and adherence.
? Enable regulatory reporting and ensure understanding to data requirements.
Key Decisions / Dimensions
• Risk Policy Formulation & Amendments
• Portfolio Risk Monitoring & Loss Control
• Risk Threshold & Metric Definition




• Process and System Control Enhancements
• Business Initiative Risk Assessment
• Regulatory & Compliance Governance
• Fraud & Operational Risk Mitigation
• Management Reporting & Risk Escalation
• Loss Forecasting & Portfolio Review
• Risk-Based Process Improvements
Major Challenges
• Portfolio Quality & Loss Management
• Agile Risk Policy Management
• Business Growth vs Risk Balance
• Process & Control Adherence
• Operational Risk Mitigation
• Regulatory Compliance & Governance
• Risk Analytics & Management Reporting
• Emerging Risk Identification & Control
• System Capability Enhancement
• Data Quality & Regulatory Reporting
Required Qualifications and Experience
a) Qualifications
• CA/MBA
b) Work Experience
? Overall should have 7+ years of experience
? Proficiency in data analytics – understanding and processing data to arrive at meaningful risk metrics and relevance to portfolio improvement
? Excellent Excel & Power Point proficiency
? Should have fundamental understanding of risk parameters and risk portfolio management
? Basic understanding of IT skills
? Should be willing to travel every month
? SQL & AI proficiency is preferred
? Prior gold loan experience is preferred.

📌 Senior Lead - GL RCU & Vigilance (India)
🏢 Bajaj Finance
📍 India