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
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