Financial Risk Specialist

5 days ago

Bengaluru, Karnataka, India beBeeCreditRisk Full time ₹ 80,00,000 - ₹ 1,50,00,000

Job Opportunity

We are seeking a skilled credit risk analyst to join our team. The successful candidate will play a critical role in assessing, monitoring, and optimising credit risk strategies to ensure a balanced approach between risk management and business growth.

Key Responsibilities

The successful candidate will be responsible for:

  • Conducting portfolio analytics to assess risk trends, customer behaviour, and loan performance
  • Analysing credit data, customer profiles, and market trends to enhance underwriting criteria
  • Working closely with stakeholders to optimise credit policies and improve lending strategies
  • Utilising statistical and machine learning techniques to support data-driven risk assessment methodologies
  • Monitoring key performance indicators (KPIs) related to loan approvals, delinquencies, and charge-offs

Requirements

The ideal candidate will have:

  • 3+ years of experience in a credit risk role, preferably within personal loans and debt consolidation in the UK
  • A strong understanding of credit scoring models, risk analytics, and lending strategies
  • Relevant experience in working on UK credit bureau data and leveraging it for credit risk analysis
  • Experience or familiarity with end-to-end life cycle of a retail loan portfolio
  • Proficiency in SQL and Python for data analysis and risk modeling
  • Experience working with decision engines and credit risk platforms
  • Strong analytical skills with the ability to translate data insights into business decisions
  • Excellent communication and stakeholder management abilities

Preferred Qualifications

Prior experience in alternative data usage for credit risk evaluation, familiarity with Open Banking and fintech lending platforms, and a Bachelor's or Master's degree in Finance, Statistics, Mathematics, Economics, or a related field would be beneficial.

What We Offer

We offer a range of innovative products and services that help our customers make changes that pay off. These include:

  • A 360-degree spending view across all financial accounts using Open banking
  • A free credit report with tips and guidance to improve credit scores
  • Native AI-led personalised financial planning to manage money, pay off debts, and improve credit scores
  • Intelligent lending products to reduce the cost of credit

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