Deputy Area Manager - BLSE & LAP North West

Location Name: Nashik

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