Snapmint - Credit Risk Analyst

Position: Credit Risk Analytics (Mid-Senior, 3-5 years)

Department: Credit Risk Analytics

About the Role:

- The Credit Risk Analytics function at Snapmint drives the analytical foundation of the credit portfolio, converting raw transaction and customer data into actionable insights that influence credit decisioning, policy setting, and portfolio performance.

- Unlike traditional risk roles focused on model building, this position emphasizes portfolio observability, cohort-based performance tracking, and real-time decisioning optimization for both new and repeat user segments.

- You will define metrics critical to product, risk, and business teams, with the autonomy to challenge assumptions using data.

Company Overview - Snapmint:

Snapmint is a leading Indian fintech enabling responsible purchases without a credit card through its zero-cost EMI platform. With 10M+ customers across 2,200+ cities, Snapmint provides a transparent, inclusive alternative to traditional credit, aiming to bridge the gap for the 300M+ credit-eligible consumers in India. Founded in 2017, Snapmint is profitable, high-growth, and led by a founding team from IIT Bombay and ISB with strong track records in fintech and tech ventures.

https://snapmint.com/

Core Competencies:

Domain Expertise:

- Consumer fintech, instant approval decisioning, high-velocity transactions.

- Experience in credit risk analytics, lending analytics, or fraud/chargeback metrics (3-5 years).

- Understanding of credit bureau scoring and risk management principles.

Technical Skills:

- SQL (Advanced): Complex nested queries, window functions, multi-stage aggregations, optimized for billion-row datasets.

- Python (Analytics): Pandas, NumPy, SciPy for cohort analysis, statistical testing (Chi-square, t-test, survival analysis), and logistic regression.

Success Metrics:

- Approval Optimization: Achieve +1-2% quarterly approval rate lift without degrading quality; improve funnel conversion via A/B tests.

- Insights Impact: Number of policy recommendations adopted and their measurable effect on risk metrics (e.g., reducing 90+ DPD for first-time users by 30 bps).

Location: Bangalore (Kadubeesanahalli)

Work Days: Monday - Friday