Credit Saison - Risk Analyst

About Credit Saison:

Credit Saison is a Japanese financial services company with revenues of over $3 billion. With entry into India, Credit Saison is looking to replicate its success into the local and southeast Asian markets. The India team consists of leaders from India's biggest fintech success stories over the past 5 years.

Credit Saison (India) aims to create the next wave in the fintech in India. We will build world class, cutting-edge technology platforms for the global vision and expansion of the company. This will be a high-performance enabled work culture, career focused and with the aim of changing/aiding the growth of this sector. We're constantly on the look-out for solid engineers and team players who are willing to come be a part of this exciting journey. You will drive and help the growth of this company with your technical abilities to achieve excellence to industry-redefining levels.

Credit Saison will be creating opportunities for many businesses out there to get access to affordable credit and the platforms we will build will need to enable us to do this with extreme efficiency, scale and reliability. We are on to something big, come be part of this journey.

Basic Qualifications :

- Bachelors or Master's degree in, Statistics, Economics, Computer Science, or other Engineering disciplines.

- 2-5 years of experience working in Data science/Risk Analytics/Risk Management with experience in building the models/Risk strategies or generating risk insights

- Proficiency in SQL and other analytical tools/scripting languages such as Python or R

- Deep understanding of statistical concepts including descriptive analysis, experimental design and measurement, Bayesian statistics, confidence intervals, Probability distributions

- Proficiency with statistical and data mining techniques

- Proficiency with machine learning techniques such as decision tree learning etc.

- Should have an experience working with both structured and unstructured data

- Fintech/Retail lending experience is preferred

Key Responsibilities :

- Conduct Portfolio Analysis and Monitor Portfolio delinquencies at a micro level, identification of segments, programs, locations, and profiles which are delinquent or working well.

- Helps to develop credit strategies across the customer lifecycle (acquisitions, management, fraud, collections, etc.)

- Identify trends by performing necessary analytics at various cuts for the Portfolio

- Provide analytical support to various internal reviews of the portfolio and help identify the opportunity to further increase the quality of the portfolio

- Work with Product team and engineering team to help implements the Risk strategies

- Work with Data science team to effectively provide inputs on the key model variables and optimize the cut off for various risk models

- Create a deep level understanding of the various data sources (Traditional as well as alternate) and optimum use of the same in underwriting

- Should have good understanding about various unsecured credit products

- Should be able to understand the business problems and helps convert them into the analytical solutions