Risk Management Professional

1 week ago


Mumbai, Maharashtra, India Ring Full time

Ring is a leading online instant credit platform in India, operated by ONEMi Technology Solutions Private Limited.

The company aims to provide swift and hassle-free credit financing to its customers across India.

About the Role:

The Senior Risk Analyst will be responsible for managing the risk exposure of the company's unsecured loan portfolio.

Key Responsibilities:

  • Evaluate creditworthiness of borrowers to assess potential risk factors.
  • Analyze customer and loan data to pinpoint high-risk segments and reduce default rates.
  • Develop predictive scoring models to enhance customer segmentation and optimize credit decisions.
  • Formulate credit policies for new partners and lending channels and regularly review and update policies.
  • Monitor the performance of the unsecured loan portfolio and assess key metrics to ensure alignment with risk tolerance and business goals.
  • Work closely with cross-functional teams to implement and enforce credit policies effectively.

Requirements:

  • Minimum of 3 years of relevant experience in risk management, particularly within unsecured lending environments.
  • Proficiency in Python, SQL, and advanced Excel for data analysis, modeling, and reporting.
  • Bachelor's degree in Engineering or a Post-Graduate degree in Finance, Statistics, or Data Science.


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