Business Analyst- Risk
3 days ago
Job Details
Position Title: Sr. Credit Risk Analyst
Reports to: Lead – SME Policy
Company: PayU Finance
Location: Mumbai (preferable)
About Us
PayU Finance stands as the premier credit and lending division of the PayU brand, a wholly
headquartered in Amsterdam, Netherlands. With an impressive track record of disbursing
over $280 million in consumer credit and approximately 20 billion loans by volume, we have
established ourselves as a market leader in financial technology innovation. PayU Finance
provides consumers and merchants with easy access to affordable short-term/medium-term
loans.
About Role:
This pivotal position sits at the intersection of innovation and expansion within our embedded
merchant lending division at PayU Finance. As a key contributor, you will be instrumental in
our "0 to 1" scaling journey, where your expertise will drive the transformation of how we
leverage both alternative and traditional data sources to extend credit to underserved/new
market segments. Your impact will be realized through the strategic application of advanced
analytics, cutting-edge data science methodologies, and deep domain knowledge.
Role Details:
- Develop and implement credit risk management strategies ensuring lending
activities are prudent, profitable, and compliant with regulations
- Design credit policies using traditional and alternative data sources to optimize
risk-adjusted returns while meeting business objectives
- Partner with senior leadership and partners to establish scalable risk frameworks
that support our hyper-growth trajectory
- Establish and refine acquisition and customer management strategies specifically
tailored for our merchant lending business
- Collaborate across Business, Data Science, Product, and Technology teams to
create customer-centric solutions that enable prudent scaling
- Work directly with C-suite executives to ensure appropriate risk strategies are
implemented throughout the organization
- Champion a culture of proactive risk management that supports our mission
Candidate Profile
Educational
Qualifications:
Bachelor's degree in Mathematics, Statistics, Economics,
Engineering or a related field.
Experience:
• 4-5 years of Experience in Credit Risk Policy / Risk Analytics
- Prior experience in managing credit risk for Supply Chain Finance
Lending is a plus
Skills required:
• Strong problem-solving abilities with strong communication and
stakeholder management skills to successfully deliver business
and risk initiatives
- Proficiency in at least one technical language (R, SAS, Python, or
SQL)
- Demonstrated ability to visualize complex data analyses and
communicate insights effectively to diverse audiences, including
executive leadership
- Strong sense of ownership with proven track record of delivering
results-focused project
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