Drip Capital - Manager - Risk Analytics (6-8 yrs)

Manager - Risk Analytics

About Drip Capital:

- Drip Capital is a high-growth FinTech focused on the $5T global SME cross-border trade industry.

- We offer innovative trade financing targeted at small businesses in developing markets, providing rapidly growing SMEs with quick and easy access to finance.

- With a focus on technology, our vision is to eliminate the hassle of paperwork and bureaucracy and create seamless borrowing experience for its customers.

- Our team comprises talent from top-tier institutions including Wharton, Stanford, and IITs with years of experience at companies like Blackrock, Goldman Sachs, Google, McKinsey.

- We are backed by leading Silicon Valley investors - Sequoia, Wing, Accel, and Y Combinator.

- We are a global company headquartered in Silicon Valley along with offices in India and Mexico.

Risk - Strategy & Analytics:

- Risk Analytics team at Drip Capital is at the cutting edge of innovation, sitting at the core of our business operations to shape and execute the company's risk strategy.

- Leveraging advanced artificial intelligence (AI), machine learning (ML), and predictive analytics, the team develops forward-looking, scalable models to drive real-time decision-making and optimize risk management processes.

- We integrate AI-driven insights into our operations, utilizing techniques such as regression modelling, time series analysis and generative AI to enhance decision accuracy.

- Collaborating closely with various stakeholders, including business growth, the CEO's office, risk operations, product development, and technology teams, we ensure seamless alignment of risk strategy with company objectives.

- Our mission is to foster sustainable, data-driven business growth by creating robust risk policies, applying portfolio optimization, and harnessing next-gen analytics for risk mitigation and opportunity identification.

Your Role:

- As a Risk Analyst, you will lead high-impact projects aimed at mitigating risk and optimizing Drip's portfolio across diverse products and markets.

- You'll harness advanced analytics, predictive modeling, and data-driven insights to enhance risk strategy, improve underwriting models, and conduct in-depth portfolio performance analysis, ensuring alignment with the company's risk appetite framework.

Key Responsibilities :

- Develop risk policies using data analytics to drive business growth while maintaining robust portfolio risk controls.

- Utilize portfolio analytics to monitor risk metrics, identify trends, and ensure losses remain within defined risk tolerance levels.

- Lead and mentor a team of 3 to 4 analysts, driving innovation and analytical rigor.

- Collaborate with product, technology, operations, and risk servicing teams to design and implement scalable global risk strategies leveraging AI/ML-based risk models.

- Conduct root cause analysis using statistical tools to identify policy gaps, optimize processes, and ensure regulatory compliance.

- Champion data-first decision-making by leveraging tools like SQL, Python, and visualization platforms (e.g., Tableau, Power BI).

- Deliver comprehensive risk dashboards and data visualizations to senior management and stakeholders, enabling actionable insights.

- Redesign and enhance risk policies, incorporating predictive risk scoring models, financial ratio analysis, and dynamic monitoring mechanisms.

- Define and implement credit approval policies leveraging advanced credit risk modeling techniques, ensuring strategic alignment.

Our Checklist:

- 5 to 7 years of experience in analytics-driven roles within Tier 1/2 financial services, consulting, or FinTech (experience with early/growth-stage FinTech is highly preferred).

- Graduate from a Tier 1/2 institution with a degree in engineering, statistics, finance, or MBA.

- Advanced certifications like CA, CFA, FRM, or equivalent are a strong plus.

- Expertise in SQL, Python, and familiarity with machine learning frameworks (e.g., regressions, time series modelling).

- Demonstrated ability to build statistical models, perform data mining, and create predictive analytics for risk management.

- Proficiency in data visualization tools like Tableau, Power BI to communicate findings effectively.

- Strong analytical acumen, with a proven track record of translating complex datasets into actionable business insights.

- Exceptional communication and collaboration skills, with experience working in cross-functional environments.