Credit Risk

4 days ago

Noida India One 97 Full time

Job Description

Risk Portfolio & Credit Risk - Manager / Senior Manager
About Us:
Paytm is India's leading digital payments and financial services company, which is focused on driving consumers and merchants to its platform by offering them a variety of payment use cases. Paytm provides consumers with services like utility payments and money transfers, while empowering them to pay via Paytm Payment Instruments (PPI) like Paytm Wallet, Paytm UPI, Paytm Payments Bank Netbanking, Paytm FASTag and Paytm Postpaid - Buy Now, Pay Later. To merchants, Paytm offers acquiring devices like Soundbox, EDC, QR and Payment Gateway where payment aggregation is done through PPI and also other banks financial instruments. To further enhance merchants business, Paytm offers merchants commerce services through advertising and Paytm Mini app store. Operating on this platform leverage, the company then offers credit services such as merchant loans, personal loans and BNPL, sourced by its financial partners.
About the role: Evangelize and demonstrate value and impact of analytics for informed business decision making by developing and deploying analytical solutions and providing data driven insights to business stakeholders to understand and solve for various lending business nuances.

Job Description :
The Portfolio Risk Manager / Analyst will be responsible for monitoring , analysing and optimising lendingportfoliosacross consumer/ merchant lending products. This includes overseeing portfolio health , developing / refining risk strategies and supporting business growth through risk adjusted decision making.

Key Responsibilities:
- Portfolio Monitoring & Analytics
- Risk Strategy & Policy Design
- Stress Testing & Risk Containment
- Loss forecasting & scenario planning
- Product & Growth Partnership
- Collections Interface / Strategy
- Compliance & Bureau Management

Requirements:
- 7+ yrs in portfolio risk management function in Fintech / NBFC
- Hands on experience in SQL , Python, R, Pyspark
- Comfortable with BI tools like Tableau, Looker , Metabase etc
- Familiarity with machine learning models
- Understanding of Bureau data , Alternate Data, Scorecards, Digital Lending API's etc

Why join us
. A collaborative output driven program that brings cohesiveness across businesses through technology
. Improve the average revenue per use by increasing the cross-sell opportunities
. A solid 360 feedback from your peer teams on your support of their goals
. Respect, that is earned, not demanded from your peers and manager
Compensation: If you are the right fit, we believe in creating wealth for you
With enviable 500 mn+ registered users, 21 mn+ merchants and depth of data in our ecosystem, we are in a unique position to democratize credit for deserving consumers & merchants - and we are committed to it. India's largest digital lending story is brewing here. It's your opportunity to be a part of the story

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