Assistant Manager - Credit

Job purpose

Bajaj Finance Ltd. is hiring for this role in Pune, India. The position focuses on credit appraisal and ongoing monitoring for salaried loan cases, while ensuring that lending decisions and portfolio actions remain aligned with policy and risk expectations.

Culture anchors

• Work hard: Maintain steady effort, track daily progress, and stay focused on achieving goals.
• Execute with rigor: Take ownership of targets and work with consistency and discipline to meet them.
• Own it: Act honestly and fairly in every interaction, following organizational policies.
• Act with integrity: Demonstrate ethical judgment in day-to-day work.

Key responsibilities

• Assess credit proposals and monitor salaried loan accounts.
• Apply the credit policy, especially for pre-approved cases, and keep evaluating cases to ensure policy compliance and adherence to the authority matrix.
• Review portfolio health, evaluate risk across asset segments and customer profiles, and share timely inputs with the sales and risk teams.
• Help maintain strong portfolio quality and keep delinquency levels under control.
• Work toward better productivity through continuous process improvement.
• Provide market-based feedback on credit policy updates and support input for new product launches.

Required qualifications and experience

• Any graduate candidate may apply.
• Graduate or MBA in Finance with 1 to 2 years of relevant experience is preferred.

Company overview

Bajaj Finserv Lending offers a wide range of lending products and related services, including loans for two-wheelers, consumer durables, personal loans, loans against property, small business loans, construction equipment loans, loans against securities, and insurance services. The business serves more than 5 million customers across India and is recognized for maintaining a FAAA/Stable credit rating, the highest among NBFCs in the country.