Risk Analyst

Position:

Experience:

Role Overview:

We are seeking a detail-oriented and analytical professional to join our Risk team, focusing on policy design, portfolio analytics, and risk strategy. The ideal candidate will have hands-on experience working with lending products in an NBFC or FinTech environment.

Key Responsibilities:

1. Develop and refine risk policies across the customer lifecycle (onboarding, underwriting, collections).
2. Analyse credit performance trends and draw actionable insights for policy improvement.
3. Work closely with data science, product, and business teams to create and monitor risk strategies.
4. Monitor portfolio KPIs including approval rates, delinquency, and NPA trends.
5. Run A/B tests and build performance dashboards to track impact of policy changes.
6. Collaborate with BI teams to automate MIS and regular portfolio reporting.
7. Ensure compliance with internal risk guidelines and regulatory standards.

Requirements:

1. 3+ years of experience in risk policy or analytics in an NBFC or FinTech.
2. Strong analytical skills with hands-on experience in SQL, Excel, Python and data visualization tools (e.g., Tableau/Power BI).
3. Exposure to consumer lending or personal loans preferred.
4. Understanding of credit bureau data (e.g., CIBIL, Experian).
5. Ability to communicate technical concepts to non-technical stakeholders.
6. Bachelor's degree in engineering, Mathematics, Statistics, or related field (MBA preferred but not mandatory).

Preferred Skills:

1. Knowledge of scorecard development and credit risk modelling.
2. Prior work on alternate data sources and digital underwriting models.
3. Basic understanding of regulatory compliance relevant to digital lending.