Our client is one of India's fastest-growing digital NBFC lending platforms, focused on solving the country's massive credit gap through technology-led lending.

The organisation is now building a best-in-class analytics and credit strategy function to strengthen portfolio performance, scale risk frameworks, and drive intelligent credit decisions across its lending businesses.

We are looking for a Risk Analytics professional who will play a key role in driving data-led credit decisioning and portfolio management across multiple lending products.

Key Responsibilities:

Portfolio Analytics & Risk Monitoring:

- Conduct deep portfolio analytics to monitor delinquency trends at a micro-segment level (product, geography, program, borrower profile).

- Identify emerging risk signals and segments showing early stress or strong performance.

- Track and analyse portfolio health metrics across the lending lifecycle.

Credit Strategy Development:

- Support the design and optimisation of credit strategies across acquisition, underwriting, fraud, and collections.

- Evaluate risk thresholds and portfolio trade-offs to drive sustainable growth with controlled risk.

Data-Driven Insights:

- Perform advanced analytics across large datasets to identify patterns, trends, and actionable insights.

- Generate insights that inform risk policies, product strategy, and portfolio management decisions.

Model & Strategy Implementation:

- Work closely with product and engineering teams to implement risk strategies into live decisioning systems.

- Collaborate with the data science team to refine model variables and optimise cut-offs across risk models.

Data Strategy & Alternative Data:

- Build a strong understanding of traditional and alternative data sources used in underwriting.

- Drive innovative use of data to enhance credit decisioning and risk prediction.

Business Problem Solving:

- Translate business challenges into analytical frameworks and solutions that improve lending performance.

Candidate Profile:

Education:

- Bachelor's degree in Computer Science, Engineering, Mathematics, Statistics, or related field

- Preferred: graduates from IIT / IIIT / NIT / BITS or other top-tier institutions

Experience:

6+ years of experience in:

- Risk Analytics

- Credit Strategy

- Data Science

- Risk Management within financial services / fintech

Technical Skills:

- Strong proficiency in SQL

- Experience with Python or R

- Exposure to data mining and statistical modelling techniques

- Experience working with large structured and unstructured datasets

- Analytical Expertise

Strong understanding of statistical concepts including:

- Probability distributions

- Experimental design

- Bayesian methods

- Confidence intervals

- Descriptive analytics

-Familiarity with machine learning techniques (e.g., decision trees and related models)

Domain Exposure:

Experience in one or more of the following is preferred:

- Fintech / Digital lending

- Retail lending

- SME lending

- LAP or secured lending

- Consumer credit analytics