Analyst:- Risk & Portfolio Management

About Company :

Yabx is a global FinTech venture of Mahindra Comviva aimed at simplifying financial access to the 2 Bn+ under-banked people in the emerging markets of Africa, Asia, and Latin America. We use technology and analytics to reduce the cost of delivering financial services. In doing so, we partner with leading Telecom Operators, Banks, MFI's, Credit Bureaus, Mobile Financial Providers & handset vendors. Yabx's mission is to create world-class innovative products to improve the lives of these people.

Yabx was incubated by Mahindra Comviva and operates between The Hague, New Delhi, and Nairobi. We are a team of industry experts and entrepreneurs with global experience.

Job Description :

The finance industry has ignored billions of deserving individuals. We are a mission driven team of finance, analytics and technology professionals, focused on driving financial inclusion to serve the underserved across their credit, savings and financial needs.

- This role will be accountable for managing the key pieces and activities including MIS, campaign management, underwriting and collections tracking that contribute to the lending portfolio P&L

- This role offers fast track progression into strategy & policy ownership roles

What we look for :

- Passion for analytics : Should have solid understanding of cutting edge credit/fraud strategy leveraging risk models, preferably in a Big data environment. Should have hands on experience and track record of delivering projects in individual capacity.

- Thought Leadership : Should have the ability to innovate and evolve a digital lending product through identification of new customer segments, innovative product constructs, leveraging traditional and alternate data sources.

- Process oriented : Should help in building a process that maximizes operating efficiency while maintaining risk across multiple lending cycles. There needs to be an obsession with collecting and analyzing data to drive business iterations and improvements.

- Stakeholder Management : Should have a track record of working with partners across functions internally as well externally to build effective relationships and drive business deliverables.

- Willingness to go above and beyond : For start-ups the responsibilities and needs of the business change quickly. We're looking for someone who is not afraid to take on calculated risks and can deal with ambiguity.

Job Responsibilities :

1. Optimize customer journey and ongoing communication to drive usage, credit education and repayment across multiple digital channels (SMS, USSD, OBD)

2. Build credit strategy to define customer eligibility and limit/exposure decisions through customer loan life cycle

3. Build and Track various Portfolio MIS against plan, Execute campaigns to drive uptake, usage and repayment, track performance KPIs

4. Build and maintain collection MIS and support performance tracking with collection agencies

5. Collaborate with product and customer success teams to develop and implement a "Test & Learn" approach for various messages, offers etc

6. Optimize workstreams via automation through various tools & technologies (SQL, Pyspark, Python)

Required Qualifications & Skills :

1. Bachelor's degree from a Tier 1 college (IIT/ NIT/ BITS/ IIIT etc.)

2. Good analytical thought process and aptitude for problem solving

3. Hands on experience using SQL/Pyspark SQL in a big data Hadoop/spark environment

4. Hands on experience in data cleaning and feature creation using Python / Pyspark

5. Strong business acumen with a flair for going into the details is a must

6. Strong entrepreneurial drive

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