Unit Manager - Risk/Senior Unit Manager - Risk

This position is open with Bajaj Finance Ltd. Culture Anchor: Have high ambitions - inspires the team to aim for higher targets and supports in achieving them. Own It - Acknowledges uncertainty and makes changes in own decisions/actions for better outcomes.

• Provide analytical solutions through statistical modeling, credit policy and strategy, reporting and data analysis for the BFL businesses.
• Monitor, maintain and improve all scorecards, policies and processes across portfolios and ensure its effectiveness.
• Support any adhoc deep dive data analysis on portfolio matrices.
• Track and improve key performance indicators, losses and portfolio quality.
• Provide deep dive analysis on portfolio matrices.
• Build statistical models to achieve maximum match and catch rate.
• Building of ML based capabilities across the organization as on when required.
• Build, monitor, validate and track PD, LGD, EAD models for ECL as per IND AS guidelines.
• Work closely with business team to understand their need and provide Analytical solution.
• Assess if any early warning signals using data analysis and segmentations and take pro-active policy actions as and when required.
• Support in managing and improving various offer strategies, control offer generation and distribution through data analysis.
• Work closely with Product, Sales and Risk teams to support business growth and drive new initiatives.
• Ongoing liaising with IT, Credit and BIU teams to ensure all policies, processes, data flow are working efficiently and all required changes are build and implemented suitably.

• Practice Emotional Intelligence - Develops the team, supporting them to do more. Listens to others, stays calm under pressure, and treats everyone with respect.