Credit Risk Analyst

4 weeks ago

Noida, India Valiance Solutions Full time

About Valiance

Valiance is a deep-tech AI company building sovereign and mission-critical solutions for enterprises, public sector, and financial institutions. Our work spans AI-driven lending, computer vision, and generative AI platforms. We are trusted partners for large enterprises and governments in India and abroad, delivering impactful outcomes through data-driven solutions.

Role Overview

We're looking for an experienced
Credit Risk
Scoring Engineer
to design, build, and deploy cutting-edge data-driven scoring frameworks. This role will focus on leveraging mobile wallet data, merchant transaction flows, and alternative data sources to power credit decisioning for digital lending in emerging markets.

Key Responsibilities

  • Model Development:
    Design, develop, and optimize credit scoring models using wallet, PSP, and merchant transaction data.
  • Risk Segmentation:
    Build risk segmentation frameworks, define lending thresholds, and set decision rules.
  • Deployment & Integration:
    Deploy scoring models into our lending platform and ensure seamless integration with MNOs and PSPs.
  • Real-Time Decisioning:
    Implement API-based real-time scoring capabilities for instant loan approvals.
  • Performance Monitoring:
    Continuously track portfolio performance and refine scoring strategies based on data-driven insights.

Required Experience (Must-Have)

  • 5+ years of experience in
    credit scoring, risk modeling, or credit analytics
    .
  • Proven track record in building
    credit scoring models for digital lending products
    .
  • Strong expertise in leveraging
    mobile money data, PSP transaction data, or alternative data sources
    .
  • Experience working with
    African fintech markets
    or other
    emerging markets
    (highly preferred).

Technical Skills

  • Proficiency in
    Python, R, or similar tools
    for data modeling and analytics.
  • Strong understanding of
    credit risk metrics
    : PD, LGD, EAD, NPL ratios, etc.
  • Experience deploying scoring models via
    APIs
    for real-time decision engines.
  • Familiarity with
    digital lending platforms
    and MNO/PSP integrations.
  • Bonus: Knowledge of tools like
    Lendsqr, Kuunda, Jumo, Tala
    , or similar systems.

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