Senior Credit Risk Analyst

3 days ago

Bengaluru, Karnataka, India Fi Full time ₹ 15,00,000 - ₹ 25,00,000 per year

Fi Money is a new age money management app designed to simplify your financial life. With Fi, you can save, pay, invest, or borrow, all in one place. You can track and analyze your expenses across Fi and all your other bank accounts. You can also apply for a credit card, access instant loans, and grow your wealth and more with our range of investment options.

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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