Manager / Senior Manager - Risk

About Credit Saison India Established in 2019, Credit Saison India (CS India) is one of the fastest-growing Non-Bank Financial Company (NBFC) lenders in the country. With verticals in wholesale, direct lending, and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs, CS India's tech-enabled model and underwriting capability facilitate lending at scale, addressing India's significant credit gap, particularly in underserved and underpenetrated segments of the population. Committed to long-term growth and evolution in the Indian market, Credit Saison India caters to MSMEs, households, individuals, and more. Registered with the Reserve Bank of India (RBI) and boasting an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings, CS India currently operates through a branch network of 45 physical offices, servicing 1.2 million active loans, managing an AUM of over US$1.5 billion, and employing approximately 1,000 individuals. Part of Saison International, a global financial company dedicated to bringing people, partners, and technology together to create resilient and innovative financial solutions for positive impact, Credit Saison India aligns with Saison International's mission to be a transformative partner in enabling opportunities and fulfilling people's dreams. Roles & Responsibilities: - Conduct Portfolio Analysis and Monitor Portfolio delinquencies at a micro level, identifying delinquent segments, programs, locations, and profiles. - Assist in developing credit strategies across the customer lifecycle, including acquisitions, management, fraud, and collections. - Perform necessary analytics to identify trends within the Portfolio. - Provide analytical support for internal portfolio reviews and enhance the portfolio's quality. - Collaborate with the Product and Engineering teams to implement Risk strategies. - Work with the Data Science team to provide inputs on key model variables and optimize risk models" cut-offs. - Develop a deep understanding of various data sources (Traditional and alternate) for effective underwriting. - Demonstrate a good understanding of various unsecured credit products. - Analyze business problems and convert them into analytical solutions. Required Skills & Qualifications: - Bachelor's degree in Computer Science, Engineering, or a related field from a top-tier institution (IIT/IIIT/NIT/BITS). - 5+ years of experience in Data Science, Risk Analytics, or Risk Management, with expertise in 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. - Proficiency in statistical and data mining techniques. - Experience with machine learning techniques such as decision tree learning. - Familiarity with working on both structured and unstructured data. - Preferred experience in Fintech, Retail, SME, LAP, or Secured lending domains.,