Risk Analyst - FinTech

Must Have - Experience of alternate data modelling, digital lending/BNPL/Credit Cards/EMI, credit risk.

Experience of data science is must.

Responsibilities:

- Create innovative and disruptive strategies for risk segmentation and scoring of NTC/ ETC customers based on their behavior across diverse categories like groceries, apparel, electronics, travel, hospitality, etc.

- Work with data science experts to create statistical and deep learning credit models by leveraging the rich customer & transaction data across a wide range of Tata brands

- Train, test & optimize the credit risk models to digital lending products like PL, EMI, BNPL which have a different level of credit-risk based on the business model, product construct, lender & brand partner

- Augment the Tata brand data with external data-sets (traditional/ alternate) & add dimensions that enrich credit risk understanding of the customer

- Collaborate with the lender, credit bureaus and fintechs for creating underwriting policies & frameworks backed by the analytical models

- Create personalization frameworks to drive acquisitions and high approval rates through the consumer platform

- Identify cohorts which are prime for cross-sell, up-sell and create data-led strategies for driving these objectives

- Create quantitative risk mitigation strategies and create actionable insights and interventions to ensure portfolio health

Desired Profile:

- 4-6 years of credit risk/ analytics experience in consumer lending/ retail finance

- Masters degree from Tier - 1 institute (Statistics background preferred)

- Exposure to credit risk, data science, alternate data, data modeling

- Adept at working with Data (Collection, Extraction and Analysis)

- Understanding of lending landscape, especially consumer lending products like EMI's & Buy-Now-Pay-Later

- Strong presentation, analytical and communication skills are a must