Principal Analyst Risk And Portfolio Management

3 weeks ago


sany, India Valiance Analytics Full time

JobDescription:

The finance industryhas ignored billions of deserving individuals. We are a mission adriven team of finance, analytics, and technology professionalsfocused on driving financial inclusion to serve the underservedacross their credit, savings and financial needs.

What we are lookingfor:
Passion for analytics: Should have asolid understanding of cutting-edge, credit/fraud strategyleveraging risk models, preferably in a Bigdata
environment.

Processoriented: Should help in building a process thatmaximizes operating efficiency while maintaining risk acrossmultiple lending cycles. There needs to be an obsession withcollecting and analyzing data to drive business iterations andimprovements.


StakeholderManagement: Should have a track record of workingwith partners across functions internally as well as externally tobuild effective relationships and drive business deliverables.

Willingness to go above andbeyond: For start-ups the responsibilities and needsof the business change quickly. We're looking for someone who isnot afraid to take on calculated risks and can deal with ambiguity.


Jobresponsibilities:

Portfolio Strategy & CreditPolicy
Develop credit strategy to drive theGTM strategy, customer eligibility and limit/exposure decisionsthrough customer loan life cycle using telecom, wallet, bureaudata, mobile app
Develop and optimize customer journey andongoing communication to drive usage, credit education andrepayment across multiple digital channels (Mobile App, SMS, USSD,OBD)
Work with external debt collection agencies andoptimize direct debit rules to drive collection effectiveness fordelinquent customer segments and optimizing collection offers
Building framework for measuring periodic performance ofexisting strategies Portfolio Monitoring &Governance
Develop portfolio tracking metrics and designreports leveraging existing tech team
Monitoring PDD MIS,Follow-up for pending PDDs, PDD pendency to be kept withinacceptable limits.
Coordination with partner team fordue/ overdue PDD process. Propose and implement solutions to keepportfolio healthy interfacing data science, product and businessoperations team
RequiredQualifications & Skills:
Knowledgeof scorecards, credit policies and risk management in an unsecuredcontext
Hands on experience as a data drivenstrategy/policy analyst for more than 1 year
Goodanalytical thought process and aptitude for problem solving ; Handson experience using SQL, Python and Pyspark SQL (Big DataHadoop/Spark Stack) preferred
Passion for using data andalgorithm to drive underwriting decisions; Previous exposure to MLalgorithmsi
Strong entrepreneurialdrive



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