| Company | Bajaj Finance Ltd. |
| Job Title | Senior Area Manager – Credit |
| Job ID | JR00239416 |
| Department | Credit |
| Job Level | GB04 |
| Location | Bengaluru, Karnataka |
| Location Name | Bangalore – Additional |
| Region | South |
| Tier | Megapolis |
| Country | India |
| Posted On | 19 October 2026 |
| End Date | 19 October 2027 |
| Required Experience | 2–3 years (as shown in job header) |
| Minimum Qualification | Others (as shown in source) |
| Business Area | UW Bharat Lending CV / UW Bharat Lending CV Fleets |
| Role Focus | Credit underwriting and risk management |
| Industry Knowledge | Strong understanding of industry knowledge, market intelligence and underwriting processes |
| Credit Assessment | Ensure only creditworthy firms and individuals receive loans according to BFL risk policies |
| Business Focus | New Car Loans |
| Business Strategy | Pan-India strategy for new car loans covering sale-purchase, balance transfer and refinance |
| Reporting | Reports to the Regional Credit Manager |
| Underwriting | Underwrite new car loan business |
| Best Practices | Incorporate industry best practices for processing turnaround, risk metrics and policies |
| Market Intelligence | Provide insights into underwriting practices followed by leading industry financiers |
| Process Ownership | Drive ownership of internal processes and compliance with underwriting policies |
| Cross-Functional Support | Support Business, Risk and Operations teams in achieving long-term business goals |
| Education | Chartered Accountant / MBA |
| Experience Requirement | At least 3 years in financial services underwriting |
| Auto Loan Experience | At least 3 years of underwriting experience in used car loans with a reputed bank/NBFC |
| Key Skills | High process orientation |
| Analytical Skills | Good analytical skills |
| Attitude | Positive attitude |
| Communication | Good communication skills with proficiency in English |
| Stakeholder Management | Ability to interact and build common ground with business stakeholders |
