We are seeking an exceptional Senior Financial Analyst with deep expertise in financial modeling and lending risk analytics.

The ideal candidate will play a key role in delivering strategic insights by analyzing key profitability drivers, credit loss curves, and collections performance.

A strong background in retail lendingpreferably within a Bank, NBFC, or FinTech environmentis highly desirable.

What youll do:

- Develop full-stack profitability models for retail loan products (STPL, BNPL, LAP, PL).

- Work on IRR, NPV, RAROC models at cohort and borrower segment level.

- Analyze the impact of pricing, approval rate, CAC, collections cost, and credit loss on unit economics.

- Simulate outcomes under different business scenarios and sensitivities (e.g., resolution drop, bounce spike).

- Build and refine static pool/vintage models to estimate losses across DPD buckets.

- Use bounce data, resolution rate trends, and flow-through logic to predict future delinquency.

- Calibrate expected loss models and integrate with provisioning (ECL) or capital forecasting frameworks.

- Partner with credit and collections teams to iterate on back-tested outcomes.

- Track collections efficiency across buckets (Soft, Hard, Legal) and compute impact on NCL.

- Use bounce rate and recovery flow to model resolution probability curves.

- Design recovery scenarios to improve net yield post-default cost.

- Design dashboards in Power BI / Excel for risk and profitability KPIs.

- Create MIS and simulation tools for business, credit and strategy teams.

- Present to senior leadership actionable insights on loss trends, recovery ROI, and segment economics.

What we're looking for:

- 4-7 years in financial analytics, lending risk, collections analytics, or strategy.

- Prior experience in banks, NBFCs, FinTechs, or lending-focused insurers.

- MBA (Finance / Analytics), CFA Level 1+ or CA.

- Financial Modeling: IRR, NPV, DCF, static pool, cohort analytics.

- Strong with Excel, SQL, Power BI; Python/SAS a plus.

- Ability to link bounce and resolution metrics to forecast credit losses.

- Experience in loan lifecycle economics, collection strategies, and early warning indicators.

- Exposure to portfolio monitoring, pricing strategy, or capital planning is a plus.

- Certifications in Credit Risk, Financial Modeling, or Data Analytics a plus.

About Kissht:

Kissht, a Great Place to Work certified organization, is a consumer-first credit app that is transforming the landscape of consumer credit.

As one of the fastest-growing and most respected FinTech companies, Kissht is a pioneer in data and machine-based lending.

With over 15 million customers, including 40% from tier 2 cities and beyond, we offer both short and long-term loans for personal consumption, business needs, and recurring expenses.

Founded by Ranvir and Krishnan, alumni of IIT and IIM, and backed by renowned investors like Endiya Partners, the Brunei Investment Authority, and the Singapore Government, Kissht is synonymous with excellence in the industry.

Join us and be a part of a dynamic, innovative company that is changing the future of financial technology.

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Posted By

Shreya

Talent Acquisition Role at Kissh

Last Active: 23 October 2025

Job Views:
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Applications: 45

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