BharatPe - Senior Associate - Risk Merchant Lending

Responsibilities will include :

Functional Expertise:

- Deep dive into segment level cohorts to assess early risk & potential default.

- Develop underwriting strategies on merchant lending through existing data in Bharatpe ecosystem as well as explore alternate data.

- Launch challenger segments & quantify expected benefit & loss from the same.

- Close interaction with Tech & Product team for recommended changes in the policy or workflow. Test the scenarios which are to go live on system & provide risk sign- off

- Detailed understanding of in-house systems & agility to change legacy systems whenever required.

Interaction :

- Collaborating with teams like - Data Science, Product, Business to setup and monitor underwriting strategies.

Problem Solving :

- Monitor implemented strategies to continuously assess business & risk impact.

- Take portfolio action through off us behavior from bureau/ alternate data triggers.

- Pro-active assessment of portfolio health

Requirements:

- 2+ years of Risk Analytics and Portfolio Management experience in Financial Services/Fintech preferably in Credit Card / Unsecured Loan

- Hands-on experience of defining risk strategies, managing portfolio and building risk models along with problem solving and analytical thinking

- Adept in quantitative analysis, data mining, trend analysis and creating insights within large data eco-system. Proficiency in data tools like SQL/Python Behaviors

- Skilled at planning, tracking plans, working cross department to review processes and controls, gathering and organizing documentation and test results.

- Must have the ability to influence others and work at all management levels across the organizational structure

- Ability to collaboratively develop a risk strategy in conjunction with stakeholders

- Strong analytical thinking, written, and oral communication and presentation skills