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Engaged Employer

Bajaj Finserv Health

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3.4

based on 181 Reviews

4769 Bajaj Finserv Health Jobs

Deputy Manager - SALPL - Growth

Bajaj Finserv Ltd.

3.4

based on 181 Reviews

3-4 years

Nagpur

1 vacancy

Deputy Manager - SALPL - Growth

Bajaj Finserv Health

posted 1mon ago

Job Role Insights

Flexible timing

Key skills for the job

Cron Data Analytics Home Loans Credit Underwriting Portfolio Management Agile Coaching

+ 3 more

Job Description

Define customer profile and attributes in terms of Degree, Experience, business stability, Age, Bureau Behaviors, Banking Behavior, etc. to develop criteria required to assess the customer to approve/reject loan sanction request
Monthly assessment of various controls charts and KPI s at Segments / Degree / Geography/ Leverage/ Deviations and take appropriate actions to maintain healthy portfolio
Define smart TTD Triggers, automate on system and ensure strong hind sighting of new acquisition.
2. Process Design
Define and periodically review the master process administered alongside the master policy, including aspects of various touch points (such as API integration)
Plan projects by leveraging analytics, technology, databases to build automated and rule-based decision making in operations with a view to minimize risk in business transactions, and improve predictability of risk
Conduct detailed internal checks and due diligence prior to decision making on the master process and policy for approval/non-approval of loans
Report and review loss rate as per predefined format and regulatory requirements on monthly basis and take corrective actions for maintaining loss rate targets post customer onboarding and ensure changes are reflected in master policy and process
3. Offer Efficiency management
Review offer waterfall from BIU / COE Teams on monthly/ quarterly basis to identify the gaps and obtain insights on where offers are targeted to increase offer efficiency
Monitor offers in compliance with risk rules on a continuous basis
Review and analyze 30-40 rules leading to offer pool generation, propose suggestions to CRO to enhance their efficiency, and put up to business stakeholders for review
4. Stakeholders management/ interaction
Conduct discussions with BIU teams to understand issues faced and resolve the same
Interact with credit underwriting team to ensure compliance of policies to be rolled out with underwriting/ regulatory guidelines
Engage with product teams at HO, business teams, sales teams and zonal managers to understand challenges, seek clarity on cases of delinquencies, resolve those and obtain feedback on location specific requirements
Visit collection branches for reviewing performance in terms of offers efficiency and understand issues faced, if any
5. Portfolio management
Analyze customer segments to identify good bad customers and take necessary actions for managing bounces frequency within threshold, making sure losses are within limit
Track and manage risk metrices (such as current buck bounces, loss to AR, 12 months on books etc.) and provide overview of risk status to CRO on monthly basis
Anticipate future problems / issues with portfolio and take actions to mitigate problems and drive a healthy portfolio|

Employment Type: Full Time, Permanent

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