Senior Analyst - Risk & Portfolio Management (2-3 yrs)

Job Title : Senior Analyst, Risk & Portfolio Management

Company : Alternate Lending Platform

Location : Gurgaon (Work from Office)

Experience : 1.5-3 yrs relevant exp

Max CTC : 16 LPA

About Us :

We are a mission-driven team of finance, analytics, and technology professionals focused on driving financial inclusion to serve the underserved across their credit, savings, and financial needs. Join us in our mission to deliver financial access to every individual.

Job Description :

The Senior Analyst, Risk & Portfolio Management, will be responsible for supporting credit policy decisions across the customer life cycle and managing the Lending Portfolio P&L KPIs. This role ensures acceptable risk performance while driving top-line revenue targets by finding expansion opportunities across partner customer segments (banks and telcos).

Key Responsibilities :

1. Portfolio Strategy & Credit Policy :

- Support the development of credit strategy to drive the GTM strategy, customer eligibility, and limit/exposure decisions using data from telecom, wallet, bureau, and mobile apps.

- Implement and optimize customer journey and ongoing communication to drive usage, credit education, and repayment across digital channels (Mobile App, SMS, USSD, OBD).

- Collaborate with external debt collection agencies to optimize collection effectiveness and offers.

2. Portfolio Monitoring & Governance :

- Develop portfolio tracking metrics and design reports leveraging the tech team.

- Monitor PDD MIS and follow-up for pending PDDs, ensuring acceptable limits are maintained.

- Coordinate with partner teams for due/overdue PDD processes and implement solutions for portfolio health, interfacing with data science, product

Qualifications & Skills :

- Hands-on experience as a data-driven strategy/policy analyst for more than 1 year.

- Strong analytical thought process and problem-solving aptitude.

- Proficiency in SQL, Python, and Pyspark SQL (Big Data Hadoop/Spark Stack) preferred.

- Passion for using data and algorithms to drive underwriting decisions

- Exposure to ML algorithms is a plus.

- Strong entrepreneurial drive and ability to handle ambiguity in a fast-paced environment.

- Premier educational background strongly preferred (technical, engineering discipline).

- Knowledge of scorecards and risk management in an unsecured lending context preferred but not required.

What We Look For :

- A passion for analytics with a solid understanding of cutting-edge credit strategy leveraging data-driven models.

- Process-oriented mindset to maximize operating efficiency while maintaining risk across multiple lending cycles.