Product Analyst - Team Lead - Risk

As a Product Analyst - Team Lead in the Risk department, you will play a crucial role in optimizing credit risk assessment models, policies, and strategies to ensure efficiency, scalability, and compliance with regulatory frameworks. Collaborating closely with data scientists, engineers, and business stakeholders, you will contribute to the enhancement of credit risk models and decisioning frameworks using advanced analytics and machine learning techniques. **Key Responsibilities:** - Analyze credit risk associated with various credit products such as credit cards, merchant, and personal loans. - Engage with the business team to comprehend credit risk policies and implement them on the platform effectively. - Monitor the performance of credit risk policies, provide feedback to the Product and Policy teams, and suggest areas for improvement. - Utilize alternative data sources, machine learning models, and traditional credit assessment techniques to refine risk evaluation processes. - Perform testing and scenario analysis to evaluate policy resilience. - Keep track of key risk indicators (KRIs) and offer actionable insights to management. - Ensure adherence to regulatory guidelines and internal risk policies. - Collaborate with product and technology teams to incorporate risk-based decision-making into lending processes. **Qualification Required:** - 1-2 years of experience in a fintech or banking environment. - Proficiency in SQL and Python for data analysis and manipulation. - Understanding of technical aspects like API and Kafka will be an added advantage. - Excellent analytical, problem-solving, and communication skills. - Ability to thrive in a fast-paced, dynamic environment and engage in cross-team collaboration. - Educational qualification: B.Tech from NIT/BITS or any other reputable institution. In addition to the exciting role you will play as a Product Analyst - Team Lead in the Risk department, you will have the opportunity to be part of the largest fintech lending initiative in India. The vibrant and energetic work environment will empower you to achieve your career goals while contributing to democratizing credit for deserving consumers and merchants. Join us to be a part of India's largest digital lending success story and make a meaningful impact in the industry!,