Lead Credit Risk Analyst

Biz2X is a prominent digital lending platform that empowers financial providers to drive growth through a modern omni-channel experience, top-notch risk management tools, and a comprehensive yet adaptable Servicing engine. By collaborating with financial institutions, the company supports their Digital Transformation endeavors with the Biz2X digital lending platform. Biz2X solutions aim to not only lower operational costs but also enhance lending growth by notably improving client experience, decreasing total turnaround time, and equipping relationship managers with valuable monitoring insights and alerts. In this role, your key responsibilities will include building credit risk models, steering underwriting and credit decisions, and ensuring optimization across risk, pricing, and business growth. You will play a crucial part in shaping our lending products and processes, ensuring they are constructed on a firm foundation of prudent risk management. Your tasks will involve leveraging or constructing advanced credit risk models (functional rule-based/heuristics and machine learning models), leading critical credit decisions, providing effective credit oversight to colleagues leading our credit teams, developing, implementing, and monitoring risk strategies across various areas, assisting in drafting a detailed risk policy for the business loan business, working extensively with Credit Bureau, Bank statement, financial data, coaching and mentoring younger team members, driving robust monitoring and alerting systems for early warning signals of delinquencies in the portfolio, managing underwriting operations, ensuring regulatory compliance, and staying updated on regulatory changes and adjusting strategies accordingly. You should apply for this role if you are a risk professional with over 8 years of experience across a bank/NBFC, possess strong hands-on experience and expertise in building Machine Learning based underwriting statistical models, have deep domain/functional knowledge in credit underwriting/credit analysis, proven experience in underwriting risk management in the fin-tech or financial services industry, a strong understanding of fin-tech products, unsecured lending products, services, and technologies, experience in Product and Credit Policy formulation, Collections and Recovery, Fraud and Operational Risks, exceptional analytical and problem-solving skills, strong leadership capabilities, and excellent Analytical and Data Science capabilities. To apply for this position, visit: [Apply Here](https://app.intalent.ai/biz2credit/recruitment/candidate/new/233),