Lead - Risk

This position is open with Bajaj Finance ltd. To reduce/maintain risk at current levels and improve portfolio quality, leading to lower losses.

• Effective team and stakeholder management.
• Regular engagement with cross functional team
• End to end understanding of loss projections in terms of AOP, recalibrated estimations done monthly basis bounce/collection inputs/trends.
• Responsible for analyzing departmental risk policies, portfolio analysis, policy audits, bounce analysis and new customer acquisition analysis.
• Regular engagement with stakeholders to identify new business opportunity and take policy actions on marginal segments.
• Actively engagement with RCU team to keep controls on fraud accounts at acquisition levels. Understanding past trends and build fraud trigger mechanism
• Required system changes and controls to be explored and get this build in system
• Review Risk review and operating deck with the team and provide insight which will lead portfolio quality.
• Risk management, process enhancement, business analysis and data analysis and take proactive corrective actions on the basis of portfolio performance.
• Understanding of SQL and automated BI reports to get execute required outcomes
• Monitor risk metrics and highlight any stress/trends and simulate on historical data for projected impact of proposals
• Ensuring policies are aligned to customer requirements and capture the right segments mix which helps in meeting targeted business volumes and budgeted loss rates.

• Post-graduate degree
• Prior knowledge of SQL
• 8+ years of underwriting/Risk for unsecured products
• Experience on stakeholder management and team management