Credit Saison - Risk Analyst/Senior Risk Analyst

Risk Analyst /Senior Risk Analyst

About Credit Saison:

A Neo-Lending Conglomerate here to enable India's credit growth story, Credit Saison India, emboldened by our Global MNC parent, is here to accelerate India's credit growth story: by building a Technology-Led Neo-Lending Conglomerate. Across our verticals, we offer bespoke solutions to meet the various credit needs of Individuals, SMEs, FinTech's, and NBFCs. Credit Saison India ("CS India"), having been founded in 2018, operates under the registered name Kisetsu Saison

Finance India Private Limited as an MNC subsidiary of its parent company - Credit SaisonCo. Ltd in Japan. Across our various business verticals like Wholesale Financing, Co-origination Financing, Consumer Financing, and SME Financing we look towards reaching resilient Assets Under Management ("AUM") of US1bn in record time.

More about us on https://www.creditsaison.in

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