Risk Analytics

**About Organization**:

- RING's customer profile includes aspirational millennials with instant needs to be met through various offline and online purchases. RING also offers instant gratification, such as rewards for every transaction & special cashback & discounts on purchases made at partner merchants. It helps customers build a credit profile & gives access to the platform's other financial products like loans, insurance & investments.

Additionally, RING has over 5 lakh+ merchants that help them acquire customers. RING helps merchants increase their sales by offering a simplified payment option for their customers. The Loyalty & Rewards for merchants incentivize them to get more customers on the platform and earn cashback/rewards. OnEMi Technology Solutions Pvt. Ltd. has tied up with multiple RBI-registered NBFCs to provide loans to its customers. Si Creva Capital Services Pvt. Ltd is an RBI-registered NBFC engaged in the business of financing consumer loans for the purchase of goods & services from various channels as well as direct personal loans to consumers.

At RING, human capital is the company's greatest asset, and hence there are many employee welfare policies in place that include flexible working hours, hybrid work mode, health insurance, complimentary meals, and transport. RING has a robust, inclusive culture that fosters a sense of belonging. Employee suggestions are highly valued, and every individual is actively encouraged to bring out the best in them.

**Scope**
**of**
**the**
**role**:

- You will work with data to understand patterns and anti-patterns to determine risk activity ranging from fraud, AML, identity theft, KYC, and non-compliant activity per RBI, and company policies.
- You are responsible for defining, developing, and communicating key metrics that need to be monitored, to infer risky activity with respect to businesses, categories, products, merchants etc.
- You model data and quantitatively analyze that translates data into actionable insights and can contribute to decision-making with your stakeholders, keeping company principles and customer interest as sacrosanct.
- Analyze data to recommend anti-fraud processes for changing transaction patterns and trends.
- Provide support to cross-functional teams in their ad-hoc risk analytics requests.
- Work closely with Engineering, Product, Operations & Business teams to develop fraud risk solution

**Key Responsibilities**:

- Build data-driven strategies to manage credit risk at acquisitions as well as customer management.
- Optimize pricing, underwriting, and line assignment through the customer life cycle to maximize customer experience and business value.
- Draw actionable insights from complex data.
- Build a robust framework to monitor the performance of implemented strategies and the portfolio.
- Ability to handle complex data and create meaningful dashboards using visualization tools.

**Must-Haves**:

- 2 to 4 years of data-driven decision strategy and decision-making experience preferably in the Consumer Durable Loan / Credit Cards or

**BNPL Sector:

- **
- Strong problem-solving skills and ability to synthesize actionable insights and strategies from complex data.
- Prior data science and analytics experience.
- Background in credit risk strategy.
- Strong technical skills (SQL/Python/R).
- Experience in visualization tools like Tableau/Holistics/Power BI.
- Strong communication skills with the ability to influence without authority.

**Skills**:

- Problem-solving, Analytical Skills, MS Excel, SQL, Python, R Programming, Reporting, PowerBI, and Data Visualization

**Benefits Offered**:

- F&B on the house, Pantry Facility, etc.
- Pick & drop service at BKC location.
- 5 days a week work setup
- Flexi Benefits in Pay
- High visibility role with an opportunity to work directly with senior leadership
- A chance to make a significant impact on the business
- A fast-paced ownership culture.