Associate Analyst - Retail Risk - Unsecured Loans

Responsibilities for the job:

- Candidate will be responsible for risk analytics, policy support and cross-sell strategy for existing customer PL campaigns. The role is highly analytical with strong segmentation, delinquency tracking, and campaign governance.

- Analyze internal portfolios to identify eligible cross-sell customer segments.

- Evaluate and recommend changes to risk filters, bureau cut-offs, and income rules.

- Conduct cohort and vintage analysis for repeat borrowers, bounce rates, and early delinquencies.

- Work with Business & Marketing teams on pre-approved PL campaigns, validation rules, and targeting.

- Prepare weekly/monthly cross-sell performance dashboards (approval %, rejection %, DPD movements).

- Monitor performance by channel, bureau segment, income bands, geography, and past repayment

- Perform root cause analysis for delinquency spikes.

- Support revisions to cross-sell policy norms & credit frameworks, launching pilot programs.

- Coordinate with Tech for campaign validation automation and rule deployment.

Other Responsibilities (If Any):

- Hands-on experience with large datasets, data cleaning and transformation using SQL or Python.

- Exposure to scorecard development/ validation (behaviour score) using statistical methods

Eligibility Criteria for the Job:

- Education: BE/ BTech (with Statistics, Mathematics or Economics)

- MBA (Finance/ Analytics)

- Age 30+

- Work Experience: 3-6 years of experience in Cross-sell PL risk, consumer lending analytics, portfolio monitoring

Technical Skills:

- Strong SQL + Python/SAS for customer segmentation.

- Understanding of regression models, segmentation logic, and bureau score usage

- Power BI / Tableau for analytics visualization

Industry Preference: Banks/NBFC digital analytics teams or fintechs with strong CRM/PL cross-sell portfolios.

Soft Skills: Analytical thinking

Strong communication and presentation skill.

Budget 24 LPA including 9% variable