Credit Risk Analytics

21 hours ago

Bengaluru Karnataka, India Epifi Technologies Full time

At Fi, we’re building products that help people get better with money — and lending is central to that mission. We’re looking for a Senior Credit Risk Analytics professional to own credit portfolio insights, design scalable risk frameworks, and ensure healthy growth while keeping NPAs in check.

**What you’ll do**
- Build and scale credit risk models to assess borrower quality and portfolio health.
- Own performance monitoring of loan programs (Fi NBFC + partner programs) across originations, collections, and NPAs.
- Drive deep-dive analyses on repayment patterns, early delinquencies, roll rates, and vintage curves.
- Partner with Product, Risk, and Collections teams to optimize underwriting strategies, pricing, and limit management.
- Set up and automate monitoring dashboards for early warning signals.
- Work with data science and engineering to deploy and iterate on machine learning models for credit decisioning.
- Collaborate with external bureaus, lenders, and regulators to strengthen credit frameworks.
- Mentor junior analysts, setting best practices for data-driven decision-making in credit.

**What we’re looking for**
- 3-5 years of experience in credit risk analytics within NBFCs, banks, or fintechs.
- Strong foundation in consumer lending (PL, credit cards, LAP, or BNPL).
- Hands-on with SQL + Python/R for data analysis, modeling, and reporting.
- Experience with bureau data, scorecards, and credit underwriting systems.
- Ability to balance growth with risk — commercial mindset with a control framework.
- Strong stakeholder management — able to influence Product, Business, and Collections with data-backed insights.
- Exposure to LMS/LOS systems and credit decisioning engines is a plus.

**Why Fi**
- Work on scaling a lending portfolio at a fast-growing fintech.
- Solve high-impact problems in credit risk, directly influencing growth and profitability.
- Collaborate with sharp, driven teams across data, product, and risk.
- Build frameworks and models from the ground up — with the freedom to experiment and innovate.

This is a 5 days work from office role and we are in Brookfield, Bengaluru.

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