Credit Risk Business Analyst

19 hours ago

Mumbai, Maharashtra, India Aspire And Succeed Hr Full time ₹ 7,00,000 - ₹ 18,00,000 per year

Job Title: Credit Risk Analyst Personal Loan / LAP

About the Role

We are looking for a Credit Risk Analyst with strong experience in Personal Loans (PL) or Loan Against Property (LAP). The role involves analysing credit policies, monitoring portfolio performance, improving underwriting quality, and ensuring a healthy risk-return profile for the lending business.

Key Responsibilities

1. Credit Evaluation & Policy Analysis

  • Analyse PL / LAP customer profiles using bureau data (CIBIL, CRIF, Experian, Equifax).
  • Recommend modifications to credit policy, scorecard rules, and eligibility criteria.
  • Validate underwriting decisions and identify patterns in approvals vs rejections.
  • Conduct early warning analysis to detect emerging credit issues.

2. Portfolio Monitoring & Insights

  • Perform vintage analysis, static pool analysis, delinquency tracking (1+, 30+, 90+).
  • Monitor bounce rates, repayment behaviour, and segment-level performance.
  • Identify high-risk customer segments and propose risk mitigation strategies.
  • Analyse risk metrics like bad-rate %, approval %, TAT, and portfolio yield.

3. Bureau & Scorecard Analytics

  • Work with bureau variables (ENQ, BET, UTIL, PERF, LIMIT, DPD buckets).
  • Support development and monitoring of risk scorecards.
  • Perform off-us bureau benchmarking and risk model validation.

4. Data Analysis & Reporting

  • Create dashboards and automated reports for leadership and business teams.
  • Use SQL / Python / Excel to extract, analyse and visualise data.
  • Present insights on portfolio health, trends, and risk triggers.

Required Skills

  • Experience in PL or LAP credit evaluation or risk analytics.
  • Strong knowledge of bureau data and retail lending scorecards.
  • Hands-on experience with SQL and Advanced Excel.
  • Good understanding of static pool, vintage, delinquency, roll rates.
  • Ability to interpret data and convert insights into policy improvements.
  • Analytical mindset with problem-solving skills.

Good to Have

  • Exposure to Python / SAS.
  • Experience in digital lending ecosystems.
  • Understanding of ECL / PD modelling (optional).

Qualifications

  • Graduate / Postgraduate in Finance, Statistics, Economics, Engineering, Mathematics or related field.
  • 2 to 7 years of experience in Credit Risk / Underwriting Analytics in an NBFC, Bank, or Lending Fintech.

Location

Mumbai

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