Credit Risk Analyst

3 weeks ago

Bengaluru, India Epifi Technologies Full time

Job Description Job description: - Data is central to decision-making at Fi and our analysts play a major role in driving strategic decisions - Teams across functions from product and finance to tech and marketing collaborate with our analysts for insights to make informed decisions - Analysts at Fi work with data to craft compelling narratives towards decisions that take the product to the next level - Were all about the pursuit of making more intelligent and faster decisions at Fi through analytics - We take this endeavor very seriously while having fun creating value for ourselves and the organization Roles and Responsibilities: - Conduct thorough credit assessments on loan applications, evaluating factors such as credit history, financial statements, and collateral. - Utilize statistical models and risk assessment tools to analyze creditworthiness and determine appropriate lending terms. - Monitor and manage credit exposure by identifying potential risks and implementing risk mitigation strategies. - Collaborate with internal teams, including underwriting and collections, to optimize credit processes and improve portfolio performance. - Stay updated on industry regulations and market trends to ensure compliance with relevant guidelines and best practices. - Prepare detailed reports and presentations summarizing credit risk metrics and performance indicators for senior management. - Participate in cross-functional projects aimed at enhancing credit risk management practices and driving business growth. Some ideal things to have: - A passion for analytics, a love of what it is - tough, intriguing, never dull, always intellectually challenging and constantly demanding that you expand your skill set - Strong in first principle-thinking and applying analytics to real-life business problems - Can maintain a clear style of communication and is able to coordinate with people from different teams and backgrounds. Effective storyteller with the ability to connect the dots and explain the crux of a situation to the stakeholders - Ability to self-manage priorities and deliverables while working in a fast-paced, startup environment - A solid understanding of data structures and expertise with statistical data analysis such as linear models, multivariate analysis, stochastic models, sampling methods as well as scenario-based sensitivity analyses - Experience with one or more data programming languages (Python, R, SQL) and one or more visualization tool (Tableau, PowerBI, Qlikview, D3.Js ) - Conduct every analysis with speed, quality and reliability

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