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Location Name: Vasai Additional
Job Purpose
“This position is open with Bajaj Finance ltd.”
Candidate will be responsible for managing flexi portfolio for SME. Activities related to blocking/unblocking and reporting will be part of responsibilities
Duties And Responsibilities
PRINCIPAL ACCOUNTABILITIES
(Accountabilities associated with the job)
Highlight cases triggered as per through the door rule set. Engage with sales and credit teams to identify risk. Formulate learnings from through the door into policies
Actively engage in Portfolio management related to flexi line management. Blocking and Unblocking of limits.
Propose policy refinements as per business/market requirement.
Identify opportunities and propose strategies to enhance business. Formulate, implement and monitor portfolio segments to enable Business Teams
Monitor, manage & refine IT platform SFDC for better risk management. Execute reports on SFDC, Datamart, etc.
to identify any issues related to incorrect system behavior (e.g. case approved by system which ideally should be rejected as per Policy).
Periodic testing of System validation approval and line assignment rules
Routine interaction with stakeholder (Business, Credit, RCU, Ops and IT), and tracking / closure of minute items.
Work with COE and Product team to formulate, test and implement business opportunities/requirements
Conduct Business UAT for new developments, provide signoff and closely monitor the development post production deployment.
Periodic reporting of MIS and Dashboards (Bounce, Projected risk metrics, etc.)
Assist Sales Team to resolve cases which are stuck due to system issues.
MAJOR CHALLENGES
(Challenges faced on an on-going basis in carrying out the job)
Dynamic portfolio with multiple variables influencing risk performance
High velocity – Expertise required to manage huge data sets
Draw meaningful / actionable insights as an outcome of data analysis
Ongoing liaising with IT, Business and BIU teams to ensure timely reporting of critical performance indicators
Required Qualifications And Experience
Qualifications
Graduate/ Post-Graduate having Banking domain knowledge
Work Experience
2 - 3 years’ experience in retail or consumer lending.
Excellent analytical, data management and presentation skills.
Exposure to data management tools Eg. SQL/Power BI etc.
Effective verbal and written communication skills and stakeholder management
Work arrangement
No
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