Credit Saison India | Senior Manager-Risk | bangalore

1 month ago

bangalore, India Credit Saison India Full time

About Credit Saison India:

Credit Saison India (registered as Kisetsu Saison Finance (India) Private Limited) is an NBFC registered with the Reserve Bank of India (RBI). CS India is part of Saison International, the global business arm of Credit Saison with a focus on wholesale and direct lending as well as integrated tech partnerships with leading NBFCs and fintechs. In 2024, CS India received a US$145M strategic investment from Mizuho, its first capital injection from an external investor

Currently, Credit Saison India has a branch network of over 40 physical offices across India, 1.2 million active loans, an AUM of over US$1.2B, and an employee base of over 800 people. Credit Saison India has achieved an AAA rating from CRISIL (a subsidiary of S&P Global) & CARE Ratings. The AAA rating reflects Credit Saison India’s operating track record and the support of its parent, Credit Saison.

More information about the company can be found at about us on


Basic Qualifications :

- Bachelors or Master's degree in, Statistics, Economics, Computer Science, or other Engineering disciplines.

- 5-8 years of experience working in Data science/Risk Analytics/Risk Management with experience in building the models/Risk strategies or generating risk insights

- Proficiency in SQL and other analytical tools/scripting languages such as Python or R

- Deep understanding of statistical concepts including descriptive analysis, experimental design and measurement, Bayesian statistics, confidence intervals, Probability distributions

- Proficiency with statistical and data mining techniques

- Proficiency with machine learning techniques such as decision tree learning etc.

- Should have an experience working with both structured and unstructured data

- Fintech/Retail lending experience is preferredKey Responsibilities :

- Conduct Portfolio Analysis and Monitor Portfolio delinquencies at a micro level, identification of segments, programs, locations, and profiles which are delinquent or working well.

- Helps to develop credit strategies across the customer lifecycle (acquisitions, management, fraud, collections, etc.)

- Identify trends by performing necessary analytics at various cuts for the Portfolio

- Provide analytical support to various internal reviews of the portfolio and help identify the opportunity to further increase the quality of the portfolio

- Work with Product team and engineering team to help implements the Risk strategies

- Work with Data science team to effectively provide inputs on the key model variables and optimize the cut off for various risk models

- Create a deep level understanding of the various data sources (Traditional as well as alternate) and optimum use of the same in underwriting

- Should have good understanding about various unsecured credit products

- Should be able to understand the business problems and helps convert them into the analytical solutions

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