Credit Risk Analyst

About the Role:

We are seeking a detail-oriented and analytical Credit Risk Analyst to join our risk management team. The ideal candidate will be responsible for implementing credit risk policies, optimizing risk policies, and ensuring compliance with regulatory requirements. You will work closely with data scientists, product managers, and credit teams to enhance our underwriting models and decisioning frameworks

Key Responsibilities:

• Analyze credit risk across various credit products, including credit cards, merchant and personal loans.
• Liaison with the business team to understand the credit risk policies and implement the same on platform.
• Monitor performance of credit risk policies. Share feedback with Product and Policy team what's working well and what needs improvement
• Utilize alternative data sources, machine learning models, and traditional credit assessment techniques to enhance risk evaluation.
• Conduct testing and scenario analysis to measure policy resilience.
• Monitor key risk indicators (KRIs) and provide actionable insights to management.
• Ensure compliance with regulatory guidelines and internal risk policies.
• Collaborate with product and technology teams to integrate risk-based decision-making into lending processes.

Requirements:

• 2-5 years of experience, preferably in a fintech or banking environment.
• Proficiency in SQL, Python, for data analysis and manipulation.
• Understanding of technical details like API, Kafka will be a plus.
• Excellent analytical, problem-solving, and communication skills.
• Ability to work in a fast-paced, dynamic environment and collaborate across teams.
• Education qualification: B.Tech- NIT/BITS or any other reputed institutions