BA -Risk lending Analytics

2 months ago

Gurugram, India PayU Full time

About the Role

The role is with the PayU India Payments Data, Insights & Strategy team, with specific focus on building a stringent risk framework and controls to reduce frauds and chargebacks at PayU. The candidate will work closely with the COO on a variety of strategic initiatives in the Fraud & Credit Risk domain. Fraud is a complex challenge to solve due to the ever-evolving nature of the payments industry.
The fraud risk of any digital transaction can be visualized via a combination of risks from Merchant or Customer or Transaction being fraudulent. The ideal fraud management system is a combination of rules and ML/AI models aimed at detecting anomalies and suspicious patterns. These rules and ML/AI systems should have an auto-update capability to account for the changing fraud trends as fraudsters start evolving and adapting to these fraud detection systems. The ML/AI part of the fraud detection system requires a team of experts with deep technical and domain knowledge to build and sustain such systems.
Joining our strategy and analytics team offers you the chance to make a difference to wide range of businesses in a rapidly growing market. Deep insights driven portfolio management and monitoring are critical drivers of success for every business today. Therefore, PayU Payments is building out its Fraud and Risk Management capabilities and will continue to do so in the coming years. You will be able to help shape the efforts at PayU towards this objective. Responsibilities - Perform diagnostic and predictive analytics to help create a merchant, customer and transactionmonitoring strategy considering, among others, macroeconomic environment, industry and micro- industry concentrations, behavioural patterns, product usage, risk appetite, geography, seasoning,term, credit performance, etc. - Design differential evaluation framework for early as well as steady state fraud detection - Influence, monitor, and assess impacts to PayU’s merchant portfolio as a result of risk policy, fraud detection, and portfolio monitoring and collections - Interface with Product, Data Science, and Operations teams to set joint goals and track operations performance, providing an actionable feedback loop - Perform detailed analysis and interpret information to make recommendations to Senior Management on critical gaps and implementation of appropriate controls Requirements to be successful in this role: - A degree in Statistics, Computer Science, Mathematics or other similar quantitative field from a premier institute - Should have 2+ year work experience in analytics - Good experience in deriving insights and/or building machine learning in R/Python and SQL - Should have technical & project execution experience - Excellent communication and stakeholder management skills and demonstrated focus for client / customer satisfaction - Strong problem-solving skills with the ability to understand and execute complex analysis - Detail oriented with strong organizational skills. Ability to function in a high volume setting with tight deadlines - High-energy individual with a go-getter instinct and positive attitude. - Should be a great teammate who promotes knowledge-sharing About us At PayU, we are a global fintech investor and our vision is to build a world without financial borders where everyone can prosper. We give people in high-growth markets the financial services and products they need to thrive. Our expertise in 18 high-growth markets enables us to extend the reach of financial services. This drives everything we do, from investing in technology entrepreneurs, to offering credit to underserved individuals, to helping merchants buy, sell and operate online. Being part of Prosus, one of the largest technology investors in the world, gives us the presence and expertise to make a real impact. Find out more
Our Commitment To Building A Diverse And Inclusive Workforce  As a global and multi-cultural organization with varied ethnicities thriving across locations, we realize that our responsibility towards fulfilling the D&I commitment is huge. Therefore, we continuously strive to create a diverse, inclusive and safe environment, for all of our people, communities and customers. Our leaders are committed to create an inclusive work culture which enables transparency, flexibility and unbiased attention to each and every PayUneer so they can succeed, irrespective of gender, color or personal faith. An environment where every person feels they belong, that they are listened to, and where they are empowered to speak up. At PayU we have zero tolerance towards any form of prejudice whether a specific race, ethnicity, or of persons with disabilities or the LGBTQ communities.

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