Director - Risk Analytics

You can become a part of …

… a truly aspirational brand, one of India’s fastest growing fintech companies that offers a range of financial services & products for merchants, kirana store owners and end consumers. Valued at over $2.8 Bn within a short span of 3+ years, we focus on empowering small business owners and retailers with business ranging from QR & PoS payments to easy loans to high-yield investment products which in turn enables them to grow and transform. We understand that business and culture are two sides of the same coin. So, alongside business, we are equally focused on building a culture where employees succeed unconditionally.

We believe we are in an ever-evolving space with immense opportunity to build for Bharat! Our people will enable this journey with their ideas, innovations and capabilities. We value diversity, where we encourage different points of view, ways of thinking, new capabilities to strengthen and improve the lives of our customers. And that is not all, we have a lot of fun while we explore new ideas, solve real problems, collaborate, connect — and we do it all together.

Connect with us over social media, coffee or call. We promise to excite you with an opportunity that will “change the game”!

In this role, you have the opportunity to …

… become the brain for the risk and collection teams in achieving desired results for the businesses. Be a part of the core risk team, building and managing portfolio of various lending products across merchant and consumer eco-system of BharatPe including Unsecured working capital loans, Credit Card, Personal Loans, BNPL etc.

The role gets you an exciting opportunity to work around various unique/alternate data sources/information to build underwriting use cases using traditional and non-traditional approaches.

As part of the team, you will be responsible for owning all data and risk analytics for underwriting, portfolio management, fraud risk and collection strategies and enable better decision making to all teams responsible for it using various kind and size of data streams.

Your work will allow you to engage and influence, BharatPe Leadership through risk predictions and the reward of seeing your contributions help build #bharatpeforbharat.

Responsibilities will include …

Functional Expertise

• Build and enhance risk analytics using both traditional and non-traditional approaches and diverse data sources.
• Lead ongoing data analysis to generate actionable insights and segmentation frameworks for risk control and opportunity identification.
• Drive risk analytics horizontally across all lending products, including Underwriting, Portfolio Management, Fraud, and Collections Strategy.
• Act as a key interface for risk modelling, scorecard development, and loss forecasting in collaboration with the Data Science team.
• Promote a self-service analytics culture by identifying trends and behaviours in risk reporting and implementing enhancements to maximise utilisation of reporting and analytical toolsets.

Problem Solving

• Apply structured and systematic problem-solving techniques to analyse risk issues, evaluate solution options, and implement decisions aligned with BharatPe’s values.
• Conduct deep-dive analyses to uncover root causes, identify process gaps, and recommend data-driven interventions for improved risk control.
• Build and test multiple hypotheses and models to validate assumptions and optimise risk management strategies.

Interaction

• Collaborate closely with cross-functional teams including Data Science, Product, Business, Technology, and Data Engineering to design, deploy, and monitor data-driven risk use cases.
• Partner with business and product teams to enhance existing policies and processes, identifying opportunities for stronger controls and improved outcomes.
• Work with Data Science and Engineering teams to stay updated on innovative tools, evolving methodologies, and best practices in data and risk management.

To succeed in the role …

Qualifications

• Post Graduate Degree in Engineering/Economics/Statistics/Management
• 12+ years of Risk Analytics and Portfolio Management experience in Financial Services/Fintech preferably in Credit Card / Unsecured Loan

Skills,experiences & behaviors

• A curious mind and a mastery over numbers – you are comfortable with ambiguity, love to experiment and data excites you!
• Hands-on experience of defining risk strategies, managing portfolio and building risk models along with problem solving and analytical thinking
• A Growth & Tech-first Mindset – you are aggressive, have a 10x approach and like to build for scale
• Adept in quantitative analysis, data mining, trend analysis and creating insights within large data eco-system. Proficiency in data tools like SQL/Python
• Experience of Bureau Data Management and designing Risk Strategies using the same
• Communication and Stakeholder management – you are able to present your point of view cogently and are able to engage effectively with everyone from external partners to CXOs