| Job Purpose | This position is open with Bajaj Finance Ltd. |
| Duties and Responsibilities | Head Underwriting Unit for Credit Appraisal of multiple product line across Salaried SME and professional loans across multiple ticket sizes for PAN India loan applications via a centralized and/or Branch based operation. Aligning with Business Teams affirm Monthly targets and effectively download processing/approval numbers for team to ensure productivity adherence for business achievements. Utilize and build a Monitoring framework for Team and Team Leader Level KRA tracking and providing continuous inputs to ensure same remains on track with consistent improvement areas highlighted. Effectively mentoring to create a High functioning Team with good risk assessment customer profiling effective processing capabilities while maintaining clear mandate on role expectations in line with organizational goals for Team leaders and individual contributors as well. Liase with Risk team to identify high risk Portfolio indicators and work on actionables via Underwriting changes and assist in policy change implementation align the team for monthly collections framework. Liase with Product and PMO Teams to discuss and raise Change requirements for major system enhancements and process implementations to reach efficient operating strategies for the Underwiring unit. Liase with Field Sales Stakeholders for escalations /interventions for transaction level decisions and driving underwriting strategy across locations for alignment and efficient Business-as-usual across product lines. Timeline Reviewing Cases being processed to identify any actionables and implement same quickly with quick feedback to the Team Leads for effective implementation across the teams. Weekly and monthly Review of Team performance for continuous improvements of performance. Drive a culture for Zero tolerance of Frauds and Manual error while processing of applications Liase with RCU Team for any learnings for the same to be used for further Credit Team learning and development inputs. Constantly Monitor and identify any potential operational risk events via system manual process stakeholders etc to plug any gaps and avoid any major loss events. Work On future automation and efficiency improving capabilities for progressing the unit into a effective digital lending function. Team Management Overall team size of 150 underwriters Lead a Team of Cluster Managers for the Centralized Underwriting Unit/Branch Locations from Central office in Pune for Unsecured loans. Effectively Manage Multiple Team Managers with multiple product lines for unsecured loans Salaried Loans Business Loans and Professional Loans with constant engagement. Drive a Healthy team culture to enable deliverables in a high Pressure high velocity environment. |
| Required Qualifications and Experience | Chartered Accountant MBA Finance from Tier I/II B-School Professional Qualifications: Min 14-16 years of experience in Underwriting for Salaried / SME customers Location Role is based out of Head office in Pune |
National Lead BFS Direct • Pune, Maharashtra, India
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