Manager - Risk

Job Purpose
This position is open with Bajaj Finance ltd.Culture Anchor:Work Hard - Consistently puts in effort. plans and tracks daily progress to achieve targetsExecute with Rigor - Takes responsibility for meeting targets with focus and effortOwn It - Maintains honesty and fairness in all interactions in line with organizations policiesAct with Integrity Duties and Responsibilities

Responsible for risk management of exposure across Sales finance (SF) dealer partners within dealer banker framework

Manage proposal for underwriting for SF dealer partners including good understanding of valuations, legal, technical, PD, Financial analysis, collateral management etc. of property collaterals as security

Travel to locations to understand market and refine and upgrade policy as per market requirement and risk assessment

Managing distribution risk by ensuring adequate controls and checks on exposure risk.

Portfolio risk monitoring management

Ensure continuous improvement/enhancement to systems (SFDC Finn one) platforms by identifying gaps proactively.

Support product team in developing systems, IT development and improvement of the same and is line with business requirements.

Own offer generation and validation activity for Dealer Banker.

Building framework to continuously assess and evaluate system capabilities to eliminate operational loss

Monthly interaction feedback mechanism with collection/sales team to get ground level feedback on market/portfolio

Support business in various initiatives by enabling business growth and maintaining portfolio quality

Managing activity of bouncing analysis, PDD framework.

Own the activity of business performance presentation in terms of preparation of Risk Deck Operating Deck.

Monitoring the Dealer Performance with the help of Dealer Performance Monitoring Activity.

Analysis of various Dealer banker proposals in terms of PO generation, underwriting eligibility analysis

Will be responsible for providing support for Working Capital of Retailer Finance Trade Advance.

Required Qualifications and Experience

Preferably a CA or MBA finance by qualification

Mandatory to have minimum 2 years of experience in Mortgage underwriting/Risk and overall experience of 4 years.

Experience in risk management is preferable.

Understands distribution management

Should have excellent interpersonal and communication skills along with strong presentation and data analytics skills.

Comfortable on working in MS Power Point MS excel and handle large data set.

Should be a go getter and willing to travel