Deputy Unit Manager - Risk

Location Name: Pune Corporate Office - Fountainhead

Job Purpose

This position is open with Bajaj Finance ltd.

Candidate will be responsible for Data analysis related tasks to support Portfolio Management for DPF Business

Duties And Responsibilities

•  End-to-End ownership of extraction, management and analysis of data relating to portfolio
•  Analyzing early portfolio performance on various performance metrics for lifestyle products.
•  Regular Portfolio performance review and analysis
•  Analyzing Performance in correlation with TTD variables
•  Building framework to continuously assess and evaluate data management / system capabilities to eliminate operational loss
•  Conduct routine check on data accuracy in Risk Data Tables
•  Publishing mid-month bounce analysis, summary and trends
•  Spear head and Guide Team member on adhoc data analysis and on special projects
•  Tracking and Maintaining Key MIS's for decision making and proactive actions
•  Automation and publishing regular dashboards for product portfolios
•  Supporting in creation of various acquisition policies and support Business growth and improve portfolio quality. Assisting in formulation of Standard Operating Procedures. Continuous review and remedial of high risk processes
•   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
•   DECISIONS
  
  

(Key decisions taken by job holder at his/her end)

•  Building framework to continuously assess and evaluate data management / system capabilities to eliminate operational loss / inaccuracies
•  Propose policy / process changes for betterment of risk performance
•   INTERACTIONS
  
  

(Key working relationships a job holder needs to have INSIDE and OUTSIDE the company to accomplish the job)

Internal Clients

Roles you need to interact with inside the organization to enable success in your day to day work 

Business Team / Product Manager: For understanding Business requirements and publishing KPIs accordingly

IT Team: For Support on data infrastructure and resolution (in case of system issues)

Business Intelligence Team: For data support and automation of reports

External Clients

Roles you need to interact with outside the organization to enable success in your day to day work 

Not Applicable

•   DIMENSIONS
  
  

(Key numerical data which will reflect the scope and scale of activities concerning this job)

Financial Dimensions

(These should be quantifiable numerical amounts)

Not Applicable

Other Dimensions

(Significant volume dimensions associated with the job)

•  Total Team Size: Not Applicable
•  Number of Direct Reports: Not Applicable
•  Number of Indirect Reports: Not Applicable
•  Number of Outsourced employees: Not Applicable
•  Number of locations: Not Applicable
•  Number of products: All SF Products
  
  

Qualifications


Required Qualifications and Experience

Graduate with basic knowledge Underwriting and loan approval processes

Excellent analytical, data management and presentation skills.

Exposure to data management / analytics tools Eg. SQL,Ms Office etc.

Effective verbal and written communication skills and stakeholder management

•  Work Experience
  
  

2 - 3 years experience in retail or consumer lending Risk.