IndusInd Bank - Analyst - Risk Analytics - Individual Lending - IIT/NIT/BITS

Role Details :

- The individual will be creating and refining credit underwriting models for lending of small ticket products such as Purhcase finance etc, EMI on Debit Card, Small ticket Personal Loans etc.

Overall Job Description :

- Drive the risk ranking model creation for retail lending products such as Purchase Finance, EMI on debit card, Small ticket Personal Loans, etc.

- Continuous assessment of model response on early risk indicators such as first payment default and lagged delinquency at 3 month etc through automated dashboards for continuous refinement in model performance.

- Evaluate partnerships in small ticket lending with other Fintechs to identify the segments which are suitable from a risk-reward point of view and are within the acceptable risk appetite of the bank; regular portfolio monitoring of portfolio built under partnership lending.

- Identification of new opportunities in small ticket lending emerging in the market and design of our underwriting models for such products.

- Preferred work experience requirement: 2-3 years of work experience of working in team in asset vertical of Banks/NBFCs especially in the domain of purchase financing, consumer durable financing or small ticket Personal Loans.

- Essential Education requirement: Post Graduation / B.Tech/B.E. from Tier 1 College in Engineering or Statistics/Mathematics.