Deputy Unit Manager - BFSD Loans B2C PLCS

Bajaj Finance
Department Icon BFSI (Operations & Lending)
Posted: 10 hours ago
2-4 years
Mumbai, Goregaon
BFSI (Operations & Lending)
work from office
Full Time
Closes 11 Jan 2027
Posted: 10 hours ago
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Job Description

Job Purpose

  • 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 themOwn 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 new 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 KPI's
  • 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 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
  • Responsible for Partner wise Monthly Risk deck preparation 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 moreListens to others, stays calm under pressure, and treats everyone with respect.

    Skills

    PortfolioManagementFinanceRiskData StructuresMaintenancePLCSPortfolio ManagementLendingB2c

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    About Company

    Bajaj Finance Limited is one of India's largest non-banking financial companies, incorporated on 25 March 1987 as Bajaj Auto Finance Limited and headquartered in Pune, Maharashtra. It is a subsidiary of Bajaj Finserv Limited and part of the Bajaj Group.

    Originally focused on two- and three-wheeler financing, the company now offers consumer durable loans, personal loans, business and SME lending, home loans, loans against property, and deposits. Bajaj Finance is listed on the NSE and BSE and employs over 70,000 people.

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