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 ImprovementsMajor Challenges
- Portfolio Quality & Loss Management
- Energetic 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 ReportingRequired 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 (Pune)
🏢 Bajaj Finance
📍 Pune