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Credit Risk Analyst

Paytm

onsite,Noida, Uttar PradeshDataFull-time
Before you apply

Role details

The practical picture
Employment
Full-time

Inside the role

Qualifications
2 to 5 yrs in portfolio risk management function in Fintech/Banks/NBFC Hands on experience in SQL, Python, R, Pyspark Good understanding of Bureau data, Alternate Data, Scorecards, Digital Lending API's Ability to translate data into clear insights and recommendations Familiarity with BI tools like Tableau, Looker, Metabase Understanding of machine learning models in credit risk
Role signal brief

The role, at a glance

Extracted from the source posting · 85% confidence

Credit Risk Analyst role at Paytm requires 2-5 years of experience in portfolio risk management within fintech/banking/NBFC sectors. The candidate will develop analytical solutions for lending portfolios, optimize risk strategies, and support business growth through data-driven decision making.

What you need

  • 2 to 5 yrs in portfolio risk management function in Fintech/Banks/NBFC
  • Hands on experience in SQL, Python, R, Pyspark
  • Good understanding of Bureau data, Alternate Data, Scorecards, Digital Lending API's
  • Ability to translate data into clear insights and recommendations
  • Familiarity with BI tools like Tableau, Looker, Metabase
  • Understanding of machine learning models in credit risk

What you will own

  • Monitor, analyze and optimize lending portfolios across consumer/merchant lending products
  • Develop and refine risk strategies and policies
  • Conduct stress testing and risk containment
  • Support loss forecasting and scenario planning
  • Evaluate product and growth partnerships
  • Provide collections interface and strategy support
Core skills
PythonSQLRPysparkTableauLookerMetabaseCredit Risk ManagementMachine LearningPortfolio Monitoring
Internal freshness window ends Oct 21, 2026
View source evidence
  • location “Job location: onsite,Noida, Uttar Pradesh”
  • must_have “2 to 5 yrs in portfolio risk management function in Fintech/ Banks/ NBFC”
  • must_have “Hands on experience in SQL, Python, R, Pyspark”
  • must_have “Ability to translate data into clear insights and recommendations”
  • must_have “Familiarity with BI tools like Tableau, Looker , Metabase etc”
  • must_have “Understanding of machine learning models in credit risk”
pythonsqlrpyspark
Role brief
About UsPaytm is India’s leading digital payments and financial services company, which is focused on driving consumers and merchants to its platform by offering them a variety of payment use cases.aytm offers acquiring devices like Soundbox, EDC, QR and Payment Gateway where payment aggregation is done through PPI and also other banks’ financial instruments. To further enhance merchants’ business, Paytm offers merchants commerce services through advertising and Paytm Mini app store. Operating on this platform leverage, the company then offers credit services such as merchant loans, personal loans and BNPL, sourced by its financial partners. About the role: Evangelize and demonstrate the value and impact of analytics for informed business decision making by developing and deploying analytical solutions and providing data driven insights to business stakeholders to understand and solve for various lending business nuances.
The Credit Risk Analyst will be responsible for monitoring , analysing and optimising lending portfolios across consumer / merchant lending products. This includes overseeing portfolio health , developing / refining risk strategies and supporting business growth through risk adjusted decision making.  Key Responsibilities : - Portfolio Monitoring & Analytics - Risk Strategy & Policy Design- Stress Testing & Risk Containment - Loss forecasting & scenario planning - Product & Growth Partnership - Collections Interface / Strategy - Compliance & Bureau Management  Requirements: - 2 to 5 yrs in portfolio risk management function in Fintech/ Banks/ NBFC- Hands on experience in SQL, Python, R, Pyspark - Good understanding of Bureau data, Alternate Data, Scorecards, Digital Lending API's etc- Ability to translate data into clear insights and recommendations- Familiarity with BI tools like Tableau, Looker , Metabase  etc- Understanding of machine learning models in credit risk- Strong problem solving and stakeholder management skills
Why join us●        A collaborative output driven program that brings cohesiveness across businesses through technology●        Improve the average revenue per use by increasing the cross-sell opportunities●        A solid 360 feedback from your peer teams on your support of their goals●        Respect, that is earned, not demanded from your peers and manager Compensation: If you are the right fit, we believe in creating wealth for youWith an enviable 500 mn+ registered users, 21 mn+ merchants and depth of data in our ecosystem, we are in a unique position to democratize credit for deserving consumers & merchants – and we are committed to it. India’s largest digital lending story is brewing here. It’s your opportunity to be a part of the story!