TheSocials - Credit Risk Analyst

2 months ago

Mumbai, India TheSocials Full time

If you think out of the box, have bias to action and a curious mind to apply fundamentals of lending to an unexplored emerging customer profile, then this is an opportunity for you.

Location: Mumbai (Work-from-office, 5 days/week)

About The Role:

- Analyze, build, validate and document credit risk models using best practices.

- Hands-on experience in using statistical methods and / or expert judgement based techniques for developing and implementing credit risk scorecards and strategies.

- Derive insights from data and communicate these insights effectively to the stakeholders


- Data visualisation and presentation of reports to the regulator and senior management on a regular and adhoc basis.

- Ability to work with (collect, prepare, process, summarise) large and sometimes unstructured data sets with attention to detail.

- Partner with external entities including Bureaus, Software application providers, and Lenders to advance the synergies found for business growth.

- Coordinate all administrative aspects of portfolio management on a day to day basis including, but not limited to, identifying unlinked outstanding, over limits, temporary facility extension or increases.

- Stand for reliability, integrity and consistency in using the underlying data and insights generated.

About You:

- At least 5 years of experience in the areas of credit risk management and data analytics with a top fintech and / or a private sector bank of India or overseas.

- Degree in statistics, engineering or econometrics (or equivalent professional qualifications) with hands-on experience in statistical model development, validation implementation and use is desirable.

- Undergraduate degree from a top tier college is a must.

- Extensive experience and expertise in using any SQL / Python.

- Strong experience in areas like delinquency or loan loss forecasting, expected credit losses capital computation under advanced approaches.

- Experience in projects involving automation / data consolidation in the areas of risk or financial reporting would be an advantage.

- Credit concepts, policy/regulatory framework, loan and card products.

- Strong technical skills - Excel, data mining and management, Microsoft office.

- Self-starter and Go-getter.

- Strong communicator and interpersonal skills. Team player.

About Us:

We are a FD backed credit card fintech, giving credit cards in a complete digital manner without any physical documents, income proofs or credit checks.

(ref:iimjobs.com)

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