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Remote role · risk-ana
Risk Analyst | Exp - 1 to 3 Yrs
Paytm
Before you apply
The practical pictureRole details
- Employment
- Full-time
Inside the role
- Qualifications
- SQL Python Data Analysis
Role signal brief
The role, at a glance
Extracted from the source posting · 95% confidence
This onsite Risk Analyst role at Paytm in Bangalore focuses on implementing credit risk policies and optimizing underwriting models. The candidate will monitor key risk indicators, analyze credit risk across lending products, and collaborate with data scientists and product teams to enhance decisioning frameworks.
What you need
- SQL
- Python
- Data Analysis
What you will own
- Analyze credit risk across various products, including merchant and personal loans, postpaid.
- Implement credit risk policies on the proprietary platform.
- Monitor performance of credit risk policies and share feedback with product and policy teams.
- 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.
Core skills
SQLPythonData AnalysisCredit Risk
Role brief
About the Team:The Credit Risk Product Team is at the core of our lending operations, ensuring that our risk assessment models are efficient, scalable, and compliant with regulatory frameworks. The team collaborates closely with data scientists, engineers, and business stakeholders to develop and enhance credit risk models, decisioning frameworks, and risk mitigation strategies. By leveraging advanced analytics and machine learning, the team continuously refines underwriting processes to optimize loan performance and reduce defaults.
About the Role:We are seeking a detail-oriented Credit 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 products, including merchant and personal loans, postpaid.* Liaison with the business team to understand the credit risk policies and implement the same on platform.* Implement the credit risk policies on our proprietary 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:* 1-3 years of experience, preferably in a fintech or banking environment.* Proficiency in SQL, Python, for data analysis and manipulation.* 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 Why Join us?Bragging rights to be behind the largest fintech lending play in India.A fun, energetic and a once-in-a-lifetime environment that enables you to achieve your best possible outcome in your career.Compensation: If you are the right fit, we believe in creating wealth for you
Compensation: If you are the right fit, we believe in creating wealth for you.With 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!