About the role
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
3.PRINCIPAL ACCOUNTABILITIES
(Accountabilities associated with the job)
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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
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Actively engage in Portfolio management related to flexi line management. Blocking and Unblocking of limits.
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Propose policy refinements as per business/market requirement.
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Identify opportunities and propose strategies to enhance business. Formulate, implement and monitor portfolio segments to enable Business Teams
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Monitor, manage refine IT platform SFDC for better risk management. Execute reports on SFDC, Datamart, etc.
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to identify any issues related to incorrect system behavior (e.g. case approved by system which ideally should be rejected as per Policy).
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Periodic testing of System validation approval and line assignment rules
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Routine interaction with stakeholder (Business, Credit, RCU, Ops and IT), and tracking / closure of minute items.
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Work with COE and Product team to formulate, test and implement business opportunities/requirements
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Conduct Business UAT for new developments, provide signoff and closely monitor the development post production deployment.
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Periodic reporting of MIS and Dashboards (Bounce, Projected risk metrics, etc.)
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Assist Sales Team to resolve cases which are stuck due to system issues.
4.MAJOR CHALLENGES
(Challenges faced on an on-going basis in carrying out the job) -
Dynamic portfolio with multiple variables influencing risk performance
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High velocity Expertise required to manage huge data sets
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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
a)Qualifications
Graduate/ Post-Graduate having Banking domain knowledge
b)Work Experience
2 - 3 yearsexperience 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
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