Zubair Siddiqui
Pune
Summary
Dynamic Portfolio Manager at Bajaj Finance Limited with expertise in portfolio management and strategic business planning. Proven track record in reducing loan defaults through innovative risk mitigation strategies. Skilled in SQL and advanced Excel, I excel in cross-functional team leadership and stakeholder communication, driving portfolio growth and operational excellence.
Overview
7
7
years of professional experience
Work History
Senior Unit Manager - Portfolio
Bajaj Finance Limited
Pune
11.2023 - Current
- Managed and expanded portfolio exceeding 52K AUM for Unsecured Loans.
- Implemented risk mitigation strategies to reduce loan default rates.
- Identified and executed offer opportunities based on performance metrics.
- Collaborated with underwriting and collections teams to enhance portfolio health.
- Monitored early metrics of bounce and delinquency to inform strategy.
- Conducted system testing and resolved bugs for Automated Business Rule Engine.
- Evaluated Score Model from Analytics Team, ensuring alignment with performance metrics.
- Formulated low-risk business strategies to optimize portfolio growth.
Risk & Portfolio Manager
Poonawalla Housing Finance Limited
09.2022 - 11.2023
- Conducted monthly portfolio performance evaluations with CEO to propose corrective strategies for LAP, HL, Rural, and Affordable business.
- Drafted an end-to-end policy document addressing Market Risk & Opportunities.
- Performed TTD analysis daily, weekly, and monthly to manage portfolio effectively.
- Identified and acted on offer opportunities based on performance to enhance portfolio health.
- Executed FRR changes following Repo Rate adjustments by RBI.
- Monitored early metrics of bounce and delinquency to ensure proactive portfolio management.
- Facilitated NHB and internal audits by reviewing and resolving audit queries promptly.
Deputy Manager - Portfolio
Bajaj Housing Finance Limited
03.2021 - 09.2022
- Conducted risk assessments to identify potential vulnerabilities and implement mitigation strategies.
- Performed credit underwriting and analysis to evaluate borrower credibility and loan viability.
- Ensured regulatory compliance with industry standards and guidelines, including NHB regulations.
- Evaluated secured and unsecured loans to determine financial risks and repayment potential.
- Developed and implemented policies to enhance operational effectiveness and adherence to regulations.
- Managed investment portfolios, optimizing asset allocation for maximum returns.
- Facilitated stakeholder communication to maintain transparency and address concerns effectively.
- Adhered to NHB guidelines, ensuring all practices met established compliance requirements.
Assistant Manager - Credit
Bajaj Housing Finance Limited
01.2019 - 03.2021
- Developed and implemented policies for Home Loans and LAP.
- Conducted periodic reviews of PAN India Home loan portfolio to monitor delinquency and initiate corrective actions.
- Collaborated with stakeholders to secure approval for new and revised policies.
- Analyzed delinquency and bounce metrics to assess portfolio performance and maintain proactive oversight.
Account Executive
AL ISA Constructions
08.2018 - 01.2019
- Compiled accurate general ledger and reporting packages promptly.
- Reconciled account records according to ledger and journals routinely.
- Generated monthly statements and analysis reports for financial clarity.
- Managed client billing processes to ensure timely payments.
Education
Master of Business Administration -
APJKTU
Lucknow01.2018
Bachelor of Commerce -
LUCKNOW UNIVERSITY
Lucknow01.2015
Professional Diploma - Information Technology
NEW WAY INSTITUTE OF HARDWARE AND NETWORKING
01.2015
Skills
- SQL and advanced Excel
- Power BI expertise
- Business process automation (BRE)
- Portfolio management
- Score model analysis
- Regulatory compliance
- Stakeholder communication
- NHB and RBI guidelines adherence
- Cross-functional team leadership
- Strategic business planning
- Process improvement
Languages
- English
- Hindi
- Urdu
Timeline
Senior Unit Manager - Portfolio
Bajaj Finance Limited
11.2023 - Current
Risk & Portfolio Manager
Poonawalla Housing Finance Limited
09.2022 - 11.2023
Deputy Manager - Portfolio
Bajaj Housing Finance Limited
03.2021 - 09.2022
Assistant Manager - Credit
Bajaj Housing Finance Limited
01.2019 - 03.2021
Account Executive
AL ISA Constructions
08.2018 - 01.2019
Master of Business Administration -
APJKTU
Bachelor of Commerce -
LUCKNOW UNIVERSITY
Professional Diploma - Information Technology
NEW WAY INSTITUTE OF HARDWARE AND NETWORKING