Deputy Unit Manager - Capital Markets

Job description

Job Summary This position is open with Bajaj Finance Limited. Responsibilities • An effective communicator with the ability to coordinate with internal external stakeholders relate to people at all levels of business and management. • 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. • In dept knowledge of Capital Market and daily monitoring of stocks impacting BFL LAS exposure. • Preparation of detailed Credit Approval Memo for high value cases and getting it approved from respective approving authorities basis BFL defined approval matrix. • 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. • Monitoring the portfolio behaviour of LAS Portfolio and identify the early sign of stress in the portfolio and highlight it to the reporting manager. • Policy preparation/review /updation at regular intervals • Review and renewal of existing LAS Portfolio. • Regular tracking of progress on the agreed key metrics towards delivering on the strategy. • 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. • RBI Reporting of SMA-2 and large exposure. • Monthly preparation of Deck Required Qualifications and Experience • Qualification: CA • Experience: Fresher