PiChain is a Regtech with the mission to make compliance sustainable. We research and develop DeepTech systems that can proactively learn, solve, and automate complex problems. Essentially, this solves the problem of the service providers by simplifying digital inclusion, compliance, and building trust through our B2B technology solutions. We are helping end consumers to receive Financial and Digital Services in the most simplistic, cost-effective, and authentic way. We provide Onboarding and KYC solution by harnessing the power of AI &amp; Blockchain which helps Banks, NBFCs, Insurance firms, Fintech, AMFs, and other Financial Institutions. Role Details: - You will be part of the team which partners with the business leaders to provide data-driven strategies to grow business KPIs like acquisition, engagement, campaign optimization, etc. - The individual will be creating and refining credit underwriting models for lending of small ticket products such as Purchase finance, etc., EMI on Debit Card, Small ticket Personal Loans, etc. - Further, 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: - Drive the risk rating model creation for retail lending/ MSME products such as Purchase Finance, EMI on debit card, Small ticket Personal Loans, 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 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. - 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: - 2-3 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, of unsecured business loans, overdrafts (secured / unsecured), loans against card receivables, invoice discounting, etc. Essential Education requirement: Post Graduation / B.Tech/B.E. from Tier 1 College in Engineering or Statistics/Mathematics. Preferred Education requirement: Post graduation in Statistics/Mathematics.

Bangalore

PiChain - Analyst - Risk Analytics - Individual/MSME Lending - IIT/NIT/BITS 

PiChain - Analyst - Risk Analytics - Individual/MSME Lending - IIT/NIT/BITS  ,Job Description for PiChain - Analyst - Risk Analytics - Individual/MSME Lending - IIT/NIT/BITS  in PiChain Innovations Pvt Ltd in  Bangalore for (2-3) years of experience. Apply Now!

Job Description for PiChain - Analyst - Risk Analytics - Individual/MSME Lending - IIT/NIT/BITS  in PiChain Innovations Pvt Ltd in  Bangalore for (2-3) years of experience. Apply Now!