Risk Analyst - BFSI

Experience: 3-5 years

Must-Have: Risk Analytics, Portfolio Management, 2.5+ years of experience doing qualitative and quantitative analysis

Location: Hyderabad (WFO)

Requirements:

- Have thorough knowledge of risk & business analytics concepts - scorecard performance review, gap analysis, hypothesis testing, etc.

- Have an understanding of credit policy, underwriting process, and experience in implementing credit strategies for unsecured lending products

- 2.5+ years of experience doing qualitative and quantitative analysis in the similar domain

- Extract valuable insights by creating new variables and establishing relationships among them

- Extract valuable insights from performance data and make recommendations

- Have the ability to translate hypothesis into nuanced analytical intent

- Have the ability to work independently and derive desired results

- Be analytically rigorous and structured

- Work with partner teams to communicate requirements and drive necessary outputs

Responsibilities:

- Evaluate acquisition and portfolio risk in our lending portfolio, by complete assessment of our internal scorecards and policy matrices.

- Constantly assess the effectiveness of existing credit policies and recommend new policies and corresponding operating guidelines for unsecured lending products

- Work closely with business teams in building pricing, limit enhancements, and cross-sell strategies

- Leverage data to build, monitor and deploy strategies to enhance collections efficiencies

- Work closely with collections and underwriting team to ensure the feedback loop is closed and learnings are relayed into our credit decision strategies

- Interact with lending partners in helping them understand innovative programs and define metrics for tracking

- On the periodic review with the lending partners to track portfolio performance