Zonal Manager

2 days ago

Patna, Bihar, India Bajaj Finance Full time ₹ 12,00,000 - ₹ 36,00,000 per year

Zonal Manager - Credit 

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 assess parameters like PD (probability of default), EAD, and LGD, which are critical from a regulatory perspective and form an important aspect of regulatory reporting.

This role provides an opportunity for deeper insights into regulatory norms on credit risk. The role allows the candidate to work on areas such as stress testing, expected credit loss, macroeconomic stress, and macro stress models/forecasting.

Culture Anchor- Think like an Entrepreneur  – Encourages new ideas, helps teams improve, and supports them in taking up challenges.
- Practice 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 same.
- Develop, validate, and execute stress testing tools and stress testing engine.
- Build, 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 business.
- Support any ad hoc deep dive data analysis on portfolio metrics.
- Support in data analysis and segmentation.
- Ongoing liaison with IT, Credit, and BIU teams to ensure all policies, processes, and data flow are working efficiently, and all required changes are built 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 modeling, forecasting, segmentation, and clustering.
- Preferred coding languagesSAS, SQL, R, Python.
- Classical statistical techniquesregression, logistic regression, clustering, dimensionality reduction techniques, hypothesis testing.
- Experience in handling large databases 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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