Manager / Senior Manager - 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. With verticals in wholesale, direct lending, and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs, CS India's tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting India's significant credit gap, especially with underserved and underpenetrated segments of the population. Committed to growing as a lender and evolving its offerings in India for the long term, CS India caters to MSMEs, households, individuals, and more. Registered with the Reserve Bank of India (RBI) and holding an AAA rating from CRISIL and CARE Ratings, CS India has a branch network of 45 physical offices, 1.2 million active loans, an AUM of over US$1.5B, and an employee base of about 1,000 people. As part of Saison International, a global financial company, CS India aims to bring people, partners, and technology together to create resilient and innovative financial solutions for positive impact. Roles & Responsibilities: - Conduct Portfolio Analysis and Monitor Portfolio delinquencies at a micro level, identification of segments, programs, locations, and profiles which are delinquent or working well. - Help to develop credit strategies across the customer lifecycle (acquisitions, management, fraud, collections, etc.). - Identify trends by performing necessary analytics at various cuts for the Portfolio. - Provide analytical support to various internal reviews of the portfolio and help identify the opportunity to further increase the quality of the portfolio. - Work with the Product team and engineering team to help implement the Risk strategies. - Collaborate with the Data science team to provide inputs on the key model variables and optimize the cut off for various risk models. - Develop a deep-level understanding of various data sources (Traditional as well as alternate) and optimize the use of the same in underwriting. - Demonstrate a good understanding of various unsecured credit products. - Analyze business problems and assist in converting them into analytical solutions. Required Skills & Qualifications: - Bachelor's degree in Computer Science, Engineering, or a related field from top tier (IIT/IIIT/NIT/BITS). - 5+ years of experience working in Data Science/Risk Analytics/Risk Management with experience in building models/Risk strategies or generating risk insights. - Proficiency in SQL and other analytical tools/scripting languages such as Python or R. - Deep understanding of statistical concepts including descriptive analysis, experimental design and measurement, Bayesian statistics, confidence intervals, Probability distributions. - Proficiency with statistical and data mining techniques. - Proficiency with machine learning techniques such as decision tree learning, etc. - Experience working with both structured and unstructured data. - Fintech or Retail/SME/LAP/Secured lending experience is preferred.,