HR Manager at Yo HR Consultancy
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Risk Analyst - BFSI (3-5 yrs)
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
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