Credit Risk Analyst

at High-Growth Fintech Startup

Credit Risk Analyst

Unnati

Company

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Credit Risk Analyst

at High-Growth Fintech Startup

Agency job

via Unnati

1 - 6 yrs

₹10L - ₹12L / yr

Mumbai

Skills

Risk analysis

Want to join the trailblazing Fintech company which is leveraging software and technology to change the face of short-term financing in India!

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.

As a Credit Risk Analyst, you will be responsible for analyzing data to better understand potential risks, concerns and outcomes of decisions.

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

As a Credit Risk Analyst, you will be responsible for analyzing data to better understand potential risks, concerns and outcomes of decisions.

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

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Risk Analyst

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credit card

Job 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!

Job Title: Credit Risk Analyst

Company: FatakPay FinTech

Location: Mumbai, India

Salary Range: INR 8 - 15 Lakhs per annum

Job Description:

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!

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