Credit Analyst Lead - MEME Loans

One of the growing US based Fin Tech firms is looking for Credit Analyst Lead who is experienced in MSME loans in Fin Tech industry and proficient in SQL, Python/R. This is a remote opportunity and if you have the relevant skills and experience we are excited to connect and discuss.

Position: Credit Analyst Lead

Experience: 10+ yrs

Location: Remote

Job Type: Permanent

Qualification: B.Tech / B.E / MCA / MBA

Job Overview:

You will help solve analytical problems across the organization and propose product and credit policy changes to improve company profitability. Specifically, you will monitor the MSME Loans portfolio, create a user valuation model, and propose new product and pricing strategies.

Responsibilities:

- Own the Credit policy for MSME Loans in India - Collaborate with cross-functional teams to design and implement credit policies and underwriting guidelines tailored to the needs of MSME borrowers.

- Monitor the performance of the MSME loans portfolio and identify trends, anomalies, and emerging risks

- Ensure compliance with KYC norms, regulatory requirements, and internal risk management standards

- Monitor and update credit policy to optimize for company risk, profitability, and growth targets

- Propose data-driven product changes to improve customer experience and company profitability. Partner with product and engineering teams to implement your solution into production

- Lead weekly credit committee meeting to share performance updates and analyses

- Conduct ad-hoc analysis to identify underlying explanations for changes in portfolio performance, develop data-driven solutions, and evaluate expected portfolio impacts

- Collaborate with data science, product, and engineering to propose hypothesis testing to improve risk and profitability

- Develop statistical models to assist in pricing and user segmentation for capital markets transactions and financial data analysis

- Support the marketing and product team with their data needs

Qualifying Criteria:

- Fluency in SQL and R/Python

- Previous experience in analytics and/or quantitative modeling, using large datasets

- Experience analyzing, visualizing and communicating impactful insights to management, investors and / or auditors

- Strong strategic thinking and problem-solving skills

- 10+ years relevant experience in Credit Analytics with at least 5 years experience in Credit Analytics for MSME Loans in India

- Enthusiasm for working across cultures, functions, and time zones

Mandatory:

Stability in Career.

MSME Loans experience.

Credit Risk Analytics in Fin Tech Industry.

Fluency in SQL & Python / R.

Kindly Note:

Candidates who are experienced in MSME Loans with proficiency in SQL, Python/R, preferably from Fin Tech Industry in India are preferred to apply.