Bajaj Finance
Bajaj Finance | Cluster Manager - Capital Markets/Senior Cluster Manager - Capital Markets
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Job Highlights
Responsibilities
- 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.
- Preparation of detailed Credit Approval Memo for high value cases and getting it approved from respective approving authorities basis BFL defined approval matrix.
- Monitoring the portfolio behaviour of LAS Portfolio and identify the early sign of stress in the portfolio and highlight it to the reporting manager.
- Review and renewal of existing LAS Portfolio.
- 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.
- 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.
About the company
Bajaj Finance Limited
Bajaj Finance Limited is one of India's largest non-banking financial companies. Incorporated in 1987 as Bajaj Auto Finance Limited and renamed in 2010, it is headquartered in Pune and is a subsidiary of Bajaj Finserv Limited. It is regulated by the Reserve Bank of India as a deposit-taking NBFC in the upper layer of RBI's scale-based framework, and its shares are listed on the NSE and BSE.
Its businesses span consumer lending and payments, SME and commercial lending, rural lending, fixed deposits and digital lending, with home loans offered through its subsidiary Bajaj Housing Finance. Beyond its large sales and service teams, Bajaj Finance hires CA, CMA, CFA and MBA (Finance) profiles into finance and accounts, taxation, treasury, internal audit, credit underwriting, risk and compliance roles.
