Bharat Banking: Co-lending

Job Description

Bharat Banking: Co-lending - Portfolio & Process Management
INTERNAL USAGE:
No. of Vacancies: 1 Reports to: Bharat Banking: Co-lending Head
Is a Team leader Y Team Size: 2

Grade: SVP -1
Business: Co-lending Department: Bharat Banking Sub-Department: COE
Location: Pan India
About Bharat Banking
The increasing income diversification, evolution of the tech stack, various government schemes to improve livelihoods, and integrating the country via roads and the internet have provided strong tailwinds to the rural and semi urban (RUSU) or Bharat markets.

To better capitalize on the growth runway and open the world of possibilities for the Bharat customer, the bank has set up a separate Bharat Bank vertical. It is an amalgamation of products and geography, handling certain core products across the country and all the products in the RUSU branches.

The objective is to accelerate the growth journey by expanding distribution reach via branches, partnerships, and digital presence, creating tailored products and processes, and using the One Axis strategy to harness synergies in all parts of the Bank to deliver to the Bharat customer.

The Bank also continues to focus on growing the book profitably by enhancing productivity, improving operational efficiency to reduce cost, and containing risk by leveraging technology such as AI and ML & rigorous portfolio monitoring.

AbouttheRole
- You will be part of Co-lending team under Bharat Banking Vertical.
- You will be required to work in a fast-paced environment, adapt to change quickly, dealing with multiple stakeholders, tackling unfamiliar tasks and requests with resourcefulness and minimal guidance
- Managing the portfolio originated under co-lending with multiple partners

Key Responsibilities
- Portfolio management for variousAsset quality ( eg -HL, LAP, PL, Auto, TW,) originated through Co-lending channel of the bank
- Building and managing the robustprocess framework for the co-lending business and customizing at partnership level.
- Collaborate with cross-functional teams in managing and monitoring the risk and performance matrices of the portfolio.
- Coordination with the multiple partners for regularportfolio & delinquency management
- Managing the portfolio compliances (regulatory, policy and PSL) and audit checksat agreed frequency for best scores
- Management of day-to-day operations flow for the MIS reports, reconciliations, and regulatory reporting
- Interface with theinternal and external stakeholders for opportunity identification and plan implementation under co-lending business model
- Analyzing the competition and the new trends emerging in co-lending space and publish updates at an agreed frequency

Qualifications
Optimal qualification for success on the job is:

- MBA / Post Graduate/ CA from a reputed institute
- 13-15 + years of exposure on Asset products of banking and any underwriting experience

Role Proficiencies:
For successful execution of the job, a candidate should possess the following:

- Skills

Strongcommunication skills and ability toarticulate complex things into meaningful actionable

Ability tointeract with the senior stakeholders and assert a point of view effectively

Understanding of thevalue drivers of the business

Basicfinancial and accounting knowledge

Prior experience in Portfolio and Process management

Fintech and data mining experience will be an added plus

- Abilities

Self-motivated with a passion for taking ownership of your work and delivering outcomes with minimal guidance

Dealing with the ambiguity and a problem-solving attitude

Ability to manage multiple senior stakeholder and tasks/projects simultaneously

Proactive, thoughtful, & highly organized able to work under tight deadlines while maintaining impeccable attention to detail.

Ability to work as a part of team and contribute towards team goals