Risk Analyst - Unsecured Lending Risk Management - Fintech - IIT/NIT/BITS

Risk Analyst - Fintech - IIT, NIT, BITS

Ideal Candidate :

- You love (& dream) data and enjoy testing hypothesis using data.

- You have worked in Retail Unsecured Lending Risk Management - Credit cards, Personal loans, etc.

- You know how to build scorecards, how it works, and can deploy them.

- You have strong data visualization skills and an analytical mind to extract insights from large and 'seemingly' unrelated pieces.

- You are enthusiastic about designing & implementing Risk framework for a Digital Bank.

- You are keen to use new technologies and data tools to deliver risk controls, design risk dashboards that are the source of truth, and keep our fingers on the pulse.

- Strong fundamentals in machine learning, general statistics, and data science principles

Responsibilities :

- Develop Credit risk/ Fraud risk/ other risk models and associated frameworks.

- Implement and monitor credit risk strategies across the lending lifecycle ; acquisitions, underwriting, limit management, cross-sell, and collections.

- Implement and monitor fraud risk controls.

- Deep dive into alternate data and evaluate data features for enhanced risk assessment and credit expansion.

- Help in shaping the omni-channel collections strategy and use data analytics to optimize collections efficiency.

- Actively coordinate with external stakeholders to ensure relevant insights are effectively utilized for credit decisioning.

Skills Required :

- 2+ years experience in Retail Risk management, especially in unsecured lending products.

- Quantitative credit/fraud risk experience (preferably Retail Credit).

- Strong SQL skills along with experience with Python or R.

- Strong understanding of Statistical and ML techniques and experience in building risk models.

- Bachelors/Masters degree in Business Management, Economics, Statistics, Finance, Computer Science, Engineering, or another quantitative field.