Associate / Senior Associate - Risk

About Credit Saison India Established in 2019, Credit Saison India (CS India) is one of the country's fastest-growing Non-Bank Financial Company (NBFC) lenders, operating in wholesale, direct lending, and tech-enabled partnerships with other NBFCs and fintech companies. Its tech-enabled model, combined with strong underwriting capabilities, enables lending at scale to address India's significant credit gap, especially within underserved and underpenetrated segments of the population. CS India is dedicated to expanding as a lender and enhancing its offerings in India for the long term, focusing on MSMEs, households, individuals, and more. Registered with the Reserve Bank of India (RBI), CS India holds an AAA rating from CRISIL and CARE Ratings. Currently, CS India boasts a network of 45 physical offices, servicing 1.2 million active loans, managing an AUM exceeding US$1.5 billion, and employing approximately 1,000 professionals. As part of Saison International, a global financial company, CS India aligns with the mission of fostering resilient and innovative financial solutions through the integration of people, partners, and technology for positive impact. Saison International, headquartered in Singapore, operates across various countries including Singapore, India, Indonesia, Thailand, Vietnam, Mexico, and Brazil. Roles & Responsibilities: - Conduct portfolio analysis and monitor portfolio delinquencies at a micro level to identify segments, programs, locations, and profiles that are performing well or are delinquent. - Assist in developing credit strategies across the customer lifecycle, including acquisitions, management, fraud prevention, and collections. - Identify trends through comprehensive analytics on various portfolio cuts. - Provide analytical support for internal portfolio reviews and enhance portfolio quality. - Collaborate with the Product and Engineering teams to implement risk strategies effectively. - Work with the Data Science team to offer insights on key model variables and optimize risk models" cutoff points. - Gain a thorough understanding of various data sources, both traditional and alternate, and utilize them optimally in underwriting. - Demonstrate proficiency in unsecured credit products and convert business challenges into analytical solutions. Required Skills & Qualifications: - Bachelor's degree in Computer Science, Engineering, or a related field from a reputed institution (IIT/IIIT/NIT/BITS). - 2-5 years of experience in Data Science, Risk Analytics, or Risk Management, with a focus on building models, risk strategies, or generating risk insights. - Proficiency in SQL and other analytical tools/scripting languages like Python or R. - Deep understanding of statistical concepts, including descriptive analysis, experimental design, Bayesian statistics, confidence intervals, and probability distributions. - Proficient in statistical and data mining techniques, as well as machine learning techniques such as decision tree learning. - Experience working with both structured and unstructured data. - Preferred experience in Fintech or Retail/SME/LAP/Secured lending.,