Zonal Manager

5 days ago

Patna, Bihar, India Bajaj Finserv Full time ₹ 15,00,000 - ₹ 28,00,000 per year

CreditPatna

Posted On

09 Sep 2025

End Date

09 Sep 2026

Required Experience

6 - 8 Years

BASIC SECTION

Job Level

GB07

Job Title

Zonal Manager - Credit, UW B2C Urban, UW B2C Urban

Job Location

Country

India

State

BIHAR

Region

East

City

Patna

Location Name

Patna

Tier

Tier 2

Skills

SKILL

SKILLS AS PER JD

Minimum Qualification

OTHERS

JOB DESCRIPTION

Job Purpose

Risk Management is core to Bajaj Finance. Most of the decisions in Risk Management are data driven and analytical. Statistical models are required to look at multi-variate dimensions from a risk perspective including calculating the expected credit loss, scenario analysis, forecasting, Stress Testing etc. Statistical models are built and scorecards are prepared which assesses parameters like PD (probability of default), EAD and LGD which are critical from a regulatory perspective and forms important aspect of regulatory reporting purpose.This role gives an opportunity of going beyond the above and gives deeper insights on the Regulatory norms on Credit Risk. The role allows candidate work on areas such as Stress Testing, Expected Credit Loss, Macro Economic stress, Macro stress models/forecasting etc.Culture Anchor:Think like an Entrepreneur - Encourages new ideas, helps teams improve, and supports them in taking up challengesPractice Emotional Intelligence - Listens to others, stays calm under pressure, and treats everyone with respect.Transform Continuously - Explores opportunities and encourages teams to improve processes and systems for better delivery.Own it - Ensures teams achieve targets, drives capability building and inculcates a sense of accountability in the team.

Duties and Responsibilities

Build Stress Testing Framework and execute the sameDevelop, validate, and execute Stress Testing Tools and Stress Testing EngineBuild, monitor, validate and track PD, LGD, EAD models for Stress Testing as per RBI guidelines Provide analytical solutions through statistical modeling, credit policy and strategy, reporting and data analysis for the BFL businessesSupport any adhoc deep dive data analysis on portfolio metrices Support in Data analysis and segmentations.Ongoing liaising with IT, Credit and BIU teams to ensure all policies, processes, data flow are working efficiently, and all required changes are build and implemented suitably

Required Qualifications and Experience

Qualifications
•B-Tech/MBA Finance / Postgraduate with 1-3 years in quantitative subjects (Statistics/Data Science)Work Experience
•6-8 years relevant analytical experience in Model development, ML modelling, Forecasting, Segmentation and Clustering.
•Preferred Coding languages: SAS, SQL, R, Python.
•Classical statistical techniques: Regression, Logistic regression, Clustering, Dimensionality reduction techniques, Hypothesis testing.
•Experience in handling huge data base and the ability to do root cause analysis.
•Individual contributor with the capability to deliver projects within timeline
•Effective verbal and written communication skills

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