Job Purpose
"This position is open with Bajaj finance limited"
Duties and Responsibilities
An effective communicator with the ability to coordinate with internal & external stakeholders & relate to people at all levels of business and management.
- Assessing loan applications for credit appraisal which includes financial analysis to understand the solvency, liquidity position and credit worthiness of individual and corporate customers.
- Assess income and various obligation ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance during the loan tenure.
- Calculating eligibility basis portfolio as per BFL policy and doing risk check of customers.
- In dept knowledge of Capital Market and daily monitoring of stocks impacting BFL LAS exposure.
- Preparation of detailed Credit Approval Memo for high value cases and getting it approved from respective approving authorities basis BFL defined approval matrix.
- Adhering to all regulatory and statutory compliances & implementing operational risk controls related to LAS transactions ensuring fair sanctions to corporates and non-corporates and timely processing of cases in given TAT.
- Monitoring the portfolio behaviour of LAS Portfolio and identify the early sign of stress in the portfolio and highlight it to the reporting manager.
- Policy preparation/review /updation at regular intervals
- Review and renewal of existing LAS Portfolio.
- Regular tracking of progress on the agreed key metrics towards delivering on the strategy.
- Preparation of RPRs of the LAS portfolio as when required.
- Providing timely inputs to Business team, COE, Compliance team, Finance team, IFC Audit team, Internal Audit team, RBI Audit.
- RBI Reporting of SMA-2 and large exposure.
- Monthly preparation of Deck
Employment Type: Full Time, Permanent
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