About the Company: PayU, the fintech-arm of Naspers, is a leading financial services provider in global growth markets. We use our expertise and heritage in cross border and local payments to extend the services we offer to merchants and consumers. Our innovative technology, developed in-house as well as through investments and strategic partnerships, empowers billions of people and millions of merchants to buy and sell online, extending the reach of financial services. PayU specialises in credit products and services for emerging markets across the globe. We are dedicated to removing risks to merchants, allowing consumers to use credit in ways that suit them and enabling a greater number of global citizens to access credit services. PayU focuses on delivering innovative fintech solutions. We connect consumers and businesses, improving access to credit in markets such as India and Africa. With credit being the key business priority, Lazypay and Paysense, the alternate lending platforms, have been developed to offer credit solutions such as small ticket credit (Buy Now, Pay Later), app based personal loans and point of sale credit (Merchant EMI). About the team The Credit Risk team develops, implements and maintains the acquisition as well as customer management strategies for the consumer lending business at PayU. We leverage traditional, alternative and behavioral data to create strategies that helps ensure risk-adjusted returns. We work extensively with the marketing, decision sciences, product and technology teams to help create a product and experience that puts the customer at the center. We look for individuals with strong problem solving and analytical skills, innovative thinking and intellectual curiosity who want to make an immediate impact on the credit strategy and help the business manage risk effectively. What you'll be doing: - Analyze data (e.g. traditional and alternative bureau, behavioral &amp; macroeconomic data) using statistical tools and analytical techniques to generate insights and optimize credit decisions (accept/ decline, pricing and credit line) - Help make critical business decisions deeply rooted in data for portfolio monitoring and collections - Perform detailed analysis, generate actionable insights to make recommendations to Senior Management on critical strategies along the credit product life cycle, including non-standard and ad-hoc requests - Monitor portfolio and vintage delinquencies to ensure risk is within bounds; take corrective action as required - Develop hypotheses and set up frameworks to test for the best solutions, including scope the operational feasibility, lead implementation efforts, and monitor the success of your solutions - Build and optimize existing customer management strategies to improve customer level profitability - Analyze and evaluate potential vendors/data providers for incremental value in credit management strategies in a continuous improvement environment - Partner with marketing, data science and product teams to ensure appropriate execution of policy requirements. - Keep up-to-date on applicable regulations and compliance requirements with possible interactions with internal and external regulators What we are looking for: - Bachelor's degree in Mathematics, Statistics, Economics, Engineering or a related field. - 3-6 years of relevant experience. Experience in analytics /risk policy/risk management/ would be preferred - Strong problem-solving ability: Candidate needs to exhibit structured thinking and strong analytical Skills - Data manipulation using SQL/R/Python is must - Visualizing complex data analyses and communicating to a wide variety of audiences, including senior leadership - Managing several projects simultaneously and driving end-to-end project delivery - Developing policy and procedures documentation for credit risk strategy execution - Developing and automating quality control process to ensure intended execution of credit strategies

Gurgaon/Gurugram

Mumbai

PayU - Risk Analyst - Collection Strategy 

PayU - Risk Analyst - Collection Strategy  ,Job Description for PayU - Risk Analyst - Collection Strategy  in PayU in  Gurgaon/Gurugram Mumbai for (3-6) years of experience. Apply Now!

Job Description for PayU - Risk Analyst - Collection Strategy  in PayU in  Gurgaon/Gurugram Mumbai for (3-6) years of experience. Apply Now!