Credit Risk Analyst

Requirements

• Building different credit risk and fraud policies for the NBFC using different scorecards and models. Policies include Approve/ Decline, block/unblock, pricing, limit assignment etc
• Working closely with collections and operations team to ensure the feedback loop is closed and learnings are relayed into our credit decisioning strategies
• Working closely with technology and product teams to ensure right implementation of credit policies in the system through testing and due diligence
• Helping shape the product design and operations processes by evaluating them from a Credit/Fraud risk lens
• Constantly assess effectiveness of existing credit policies through portfolio deep dive and segment analysis and recommend changes in policies if required
• Building and publishing portfolio monitoring reports with risk matrices on a regular basis and providing key insights
• Own the periodic reviews of the portfolio risk matrices with the lending partners, risk management committees and other committees as prescribed by the organization and the regulators
• Tracking collections matrices on a regular basis and support with allocation data and additional information to the collections team for them to work effectively
• Calculate Loss Provision for the portfolios and provide loss forecasting of future months
• Provide support with data and insights on risk for lender onboarding, lender reviews etc
• Understand regulatory and compliance changes as prescribed by the regulatory bodies and change/modify credit policies and processes
• Create product programs and policy documents with subsequent changes and version controls
  

You should apply if you have:

• 3-6 years of strong analytical, monitoring and control, execution experience in Banks/NBFCs/Fintechs
• proficient in SQL, Python
• prior retail credit experience will be strongly preferred followed by any experience on underwriting in proximate fields (like unsecured loans, insurance, working capital loans etc)
• have the ability to analyse and solve complicated problems, and distil that complexity into simple and concise communication
• seek high ownership, independent environments, and feedback oriented cultures
• must have a very strong operating discipline
• Strong written and verbal communication skills