Job Summary

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
- Energetic Risk Policy Management
- Business Growth vs Risk Balance
- Process Control Adherence
- Operational Risk Mitigation
- 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 (Pune)
🏢 Bajaj Finance
📍 Pune