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PythonJob Title: Credit Risk Analyst
Company: FatakPay FinTech
Location: Mumbai, India
Salary Range: INR 8 - 15 Lakhs per annum
Job Description:
FatakPay, a leading player in the fintech sector, is seeking a dynamic and skilled Credit Risk Analyst to join our team in Mumbai. This position is tailored for professionals who are passionate about leveraging technology to enhance financial services. If you have a strong background in engineering and a keen eye for risk management, we invite you to be a part of our innovative journey.
Key Responsibilities:
- Conduct thorough risk assessments by analyzing borrowers' financial data, including financial statements, credit scores, and income details.
- Develop and refine predictive models using advanced statistical methods to forecast loan defaults and assess creditworthiness.
- Collaborate in the formulation and execution of credit policies and risk management strategies, ensuring compliance with regulatory standards.
- Monitor and analyze the performance of loan portfolios, identifying trends, risks, and opportunities for improvement.
- Stay updated with financial regulations and standards, ensuring all risk assessment processes are in compliance.
- Prepare comprehensive reports on credit risk analyses and present findings to senior management.
- Work closely with underwriting, finance, and sales teams to provide critical input influencing lending decisions.
- Analyze market trends and economic conditions, adjusting risk assessment models and strategies accordingly.
- Utilize cutting-edge financial technologies for more efficient and accurate data analysis.
- Engage in continual learning to stay abreast of new tools, techniques, and best practices in credit risk management.
Qualifications:
- Minimum qualification: B.Tech or Engineering degree from a reputed institution.
- 2-4 years of experience in credit risk analysis, preferably in a fintech environment.
- Proficiency in data analysis, statistical modeling, and machine learning techniques.
- Strong analytical and problem-solving skills.
- Excellent communication skills, with the ability to present complex data insights clearly.
- A proactive approach to work in a fast-paced, technology-driven environment.
- Up-to-date knowledge of financial regulations and compliance standards.
We look forward to discovering how your expertise and innovative ideas can contribute to the growth and success of FatakPay. Join us in redefining the future of fintech!
Overview:
The Risk Manager will oversee the organization's risk management program, assessing and identifying risks that could impede the reputation, safety, security, or financial success of the organization.
Key Responsibilities:
- Designing and managing the consumers' credit portfolio and risk within the desired target
- Driving new experiments with deeper cust understanding and segmentation
- Leverage traditional and alternate data to create risk policies and ensure effective implementation
- Continuously plans, monitors, and reviews risk management and perform regular checking and/or surveillance to ensure that risk treatment is effective
- Establish, implement and manage risk policy and control frameworks, ensuring that minimum standards, ownership and operation are documented and communicated across the Group
- Manage a governance structure to monitor, challenge and test business compliance with risk policies and control frameworks
- Develop, lead and maintain a center of expertise within 1st line risk management
- Maintain comprehensive credit policy inventory and facilitate timely periodic review/approval of credit policies
- Monitor and communicate new regulatory issues/guidance impacting credit policy, analyze the impact, interpret and implement into policy
Education and Experience:
- Bachelor's degree in Risk Management, Finance, or related field required.
- At least 7+ of related experience is preferred.
- Strong knowledge and experience in risk management and policy
- Excellent verbal and written communication skills.
- Excellent mathematical and critical thinking skills.
- Excellent analytical and problem-solving skills.
- Excellent organizational skills and attention to detail.
- Strong supervisory and leadership skills
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• Handling critical incidents/escalations, reviewing incidents and tracking towards closure • Good experience in SIEM tools, event logging and event analysis • Good knowledge in enterprise security products like Firewalls, IPS, Web/content Filtering tools, Compliance tools • Team Management, performance monitoring and prepare reports on weekly, monthly basis and share to stakeholders as needed • Good knowledge about common security attacks, targeted attacks • Good experience in forensic analysis, Packet Analysis tools like Wireshar • Assisting, mentoring L2/L3 analysts and groom them to move to next level • Contribute to continue monitoring and improvement of security posture of the organization • Having experience of managing team of 25+ team members across multiple locations.
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• Primarily responsible for security event monitoring, management and response • Ensure incident identification, assessment, quantification, reporting, communication, mitigation and monitoring • Revise and develop processes to strengthen the current Security Operations Framework, Review policies and highlight the challenges in managing SLAs • Responsible for team & vendor management, overall use of resources and initiation of corrective action where required for Security Operations Center • Management, administration & maintenance of security devices under the purview of SOC which consists of state-of-the art technologies • Perform threat management, threat modeling, identify threat vectors and develop use cases for security monitoring • Responsible for integration of standard and non-standard logs in SIEM • Creation of reports, dashboards, metrics for SOC operations and presentation to Sr. Mgmt. • Co-ordination with stakeholders, build and maintain positive working relationships with them
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Our client is an innovative Fintech company that is revolutionizing the business of short term finance. The company is an online lending startup that is driven by an app-enabled technology platform to solve the funding challenges of SMEs by offering quick-turnaround, paperless business loans without collateral. It counts over 2 million small businesses across 18 cities and towns as its customers. Its founders are IIT and ISB alumni with deep experience in the fin-tech industry, from earlier working with organizations like Axis Bank, Aditya Birla Group, Fractal Analytics, and Housing.com. It has raised funds of Rs. 100 Crore from finance industry stalwarts and is growing by leaps and bounds.
What you will do:
- Reviewing the portfolio monitoring/ early warning signals mechanism on ongoing basis
- Monitoring internal and external data points that may affect the risk level of a decision
- Aggregating data from multiple sources to provide a comprehensive assessment
- Coming up with the solution to reduce risks
- Bringing fresh ideas to the table and being keen observers of trends on analytics and financial services industry
- Creating reports, summaries, presentations and process documents to display results
Desired Candidate Profile
What you need to have:- MBA/BE/ Masters Statistics/ Mathematics, with work experience of 1-5 years in a similar company or related field
- Work experience with analytics consulting into financial services Indian Banks/ NBFCs in-house analytics units or Fintech/analytics start-ups would be a plus
The role of a Personal Loan Risk Head is to own, manage and communicate risk policies and processes. He/She shall provide hands-on development of risk models involving market, credit and operational risk, assure controls are operating effectively, and provide research and analytical support. Prospective candidates must have excellent quantitative and analytical skills, along with the ability to apply those skills across a variety of business processes.
Key Expectations
- Designing and implementing an overall risk management process for the Personal Loan portfolio, which includes an analysis of the financial impact on the company when risks occur
- Performing a risk assessment: Analyzing current risks and identifying potential risks that are affecting the company
- Own the portfolio risk metrics - Loss forecasting, Stress testing, Credit Risk, Liquidity risk, Collections performance & strategy & overall ROA by segment.
- Monitor portfolio risk from granular dimensions and constantly implement strategies to maintain risk metrics within specific ranges.
- Monitor various operational metrics and develop alerting mechanisms to maintain process efficiency
- Designing and implementing strategies for Underwriting, Account Management, Portfolio Monitoring and Collections
- Develop risk based credit policies and pricing grids to maximize approvals within specific segments of risk
- Work with data science team which will develop algorithms and scorecards and drive decision models across various business segments.
- Partner with Engineering team to implement policies and scorecards.
- Supervise creation of time-sensitive analytics, visualisations, and complicated, high-visibility reports for Risk and Business management to use in portfolio monitoring and strategic decision-making.
Competencies -
- Have strong business understanding of the retail lending business in India and understanding of the regulatory landscape
- Should have hands-on experience working as data analyst or data scientist or statistical modeler in retail space, preferably in financial services or ecommerce.
- Strong experience in establishing and managing high-performing teams with a collaborative leadership approach.
- Outstanding communication skills, both verbal and written
Summary
At Emipro, Project Manager will be responsible for assisting our customers with the design and deployment of their Odoo ERP based Strategic Sourcing solutions. As functional experts, they will help lead the customer in the GAP analysis, design, build, testing and deployment of their business needs and associated business processes while providing project planning and management services.
Job Responsibilities
- Manage all aspects of Project life cycle to facilitate successful delivery to the executive team
- Ability to drive the overall Project Delivery to a successful conclusion requiring strong Project & Resource Management/Allocation skills coupled with a good Technical Background. Success will be measured by on-time, error-free delivery, with high satisfaction from Emipro’s Enterprise Customers or Business Team
- Can able to map the end user requirement with standard functionalities available in Odoo ERP
- Develop and Oversee detailed project plans
- Coordinate with Emipro’s cross Functional ERP Experts and Organize Sprint Planning, Daily Stand-Ups, and Review Meetings for Technical Team
- Identify, analyze and recommend business systems solutions to Emipro management having a broad business impact
- Establish detailed project plans and metrics, work plans, schedules, resource plans, and status reports
- Identify ERP project risks and develop risk mitigation plans
- Provide project leadership, work direction and feedback
- Present formal presentations and executive summaries to senior management to provide recommendations and status updates
- Can assist with 360-degree aspects of an ERP Project deployment including (but not limited to): Business Process Configuration, Documenting current and future process flows and business rule configuration, User interface configuration, External system integration (if required), User and supplier set-up, Training to and Building the Team
- Manage conflicts, ensuring everyone involved is working together effectively towards successful Implementation
Required Skills
- Total experience of 5+ years having strong project/customer management experience with at least experience of handling 10+ Team members at a various hierarchical level
- Excellent written and verbal communication skills required
- Proven problem-solving skills demonstrated through professional experience
- Expert level functional knowledge of various Business concepts like Supply Chain Management, Logistics, Procurement, Inventory, CRM, Sales & Purchase, Manufacturing & Accounting
- Demonstrated ability to learn, utilize and train customers on systems, features, and functionality for relevant products/solutions
- Proven decision-making ability and prioritization skills to balance conflicting demands across the project
- Strong Techno Functional Skills and minimum 2+ Years of Experience of working with at least one famous ERP system like SAP, Oracle ERP, Odoo, Microsoft Dynamics, Salesforce or any other similar software systems
- MBA is preferred but not mandatory
- Successful ERP Implementation experience with at least 3 Full Lifecycle End to End Implementation in any other well known ERP Systems
- Excellent Team Player, Meticulous, Self-Motivated & Self Starter
- Ready to work round the clock as per the situation demands
- Stress handling & Leadership Qualities
- Thorough understanding of Risk Management and its implications
We are looking for a skilled and solutions-oriented Brand Strategist with a strong analytical mind to craft compelling brand stories and strategies that deliver results. The Brand Strategist's responsibilities include conducting extensive research, analyzing findings, making recommendations, presenting to clients and briefing creatives. You should be a strategic thinker with a knack for uncovering consumer insights that inform strategy development.
The ideal candidate should be open-minded and passionate about creating holistic brand experiences. Ultimately, the outstanding Brand Strategist should have strong research skills, an analytical mindset and be an excellent storyteller.
Brand Strategist Responsibilities:
- Conducting extensive primary and secondary research.
- Staying up-to-date on consumer research and market trends.
- Analyzing research, data and trends.
- Creating competitive reviews and situational analyses.
- Identifying insights, challenges and opportunities.
- Developing brand architecture, positioning and strategy.
- Writing compelling brand stories.
- Meeting and presenting to clients.
- Briefing and collaborating with creative teams.
- Leading ideation and brainstorming sessions.
Brand Strategist Requirements:
- Degree in business, marketing, branding, communication or related field required.
- Previous experience as a brand strategist or similar role.
- Excellent communication skills, both verbal and written.
- Experience leading client meetings.
- Analytical and problem-solving mindset.
- Creative and compelling storyteller.
- Strong research skills.
- Strategic thinker.
- Excellent presentation skills.
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