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23/02 Vinay Kumar
Business Head at First Meridian

Views:1287 Applications:355 Rec. Actions:Recruiter Actions:95

Credit Analytics Role - Lending Firm (2-5 yrs)

Bangalore/Mumbai Job Code: 895680

Credit Analyst

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 portfolio, create a user valuations model, and propose new product and pricing strategies.


- Build and maintain a user-level valuations model to inform future product and marketing decisions and analyze drivers of profitability

- 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

- Monitor the company portfolio to identify trends, and lead weekly credit committee meeting to share performance updates and analysis

- 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


- 3-5+ years relevant experience

- Fluency in SQL, R/Python or (similar statistical analysis tool)

- 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

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

Benefits of Joining

- Mission-driven and fast-paced, entrepreneurial environment

- Competitive salary and equity package

- A collaborative and flat company culture

- Comprehensive private health insurance

- Generous vacation policy

- Generous child bonding leave policy

- Discretionary trips to our offices across the globe, with global travel medical insurance (when it's safe to travel!)

- Flexible working hours

- Weekly team meals and social events (virtual for now!)

Women-friendly workplace:

Maternity and Paternity Benefits

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