IndusInd Bank - Analyst - Risk Analytics - MSME Lending - IIT/BITS/NIT/IISc

Analyst - Risk Analytics - MSME Lending

Role Details:
 
The individual will support the Head Risk Analytics and work closely with the top management of the Bank in creating and refining credit underwriting models for unsecured business loans, overdrafts (secured / unsecured), loans against card receivables, invoice discounting.

Overall Job Description:

- Create risk ranking model for retail lending products such as unsecured business loans, overdrafts (secured / unsecured), loans against card receivables, invoice discounting, 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 MSME lending segment 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 MSME lending emerging in the market and design of our underwriting models for such products.

- Preferred work experience requirement: 2-5 years of work experience of working in team in asset vertical of Banks/NBFCs especially in the domain of unsecured business loans, overdrafts (secured / unsecured), loans against card receivables, invoice discounting.

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