Operations Manager

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!

• A job description for an SAP subject matter expert (SME) may include the following skills and responsibilities:
• Analytical and problem-solving skills: SMEs need to be able to analyze complex problems, identify patterns, and propose solutions. 
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• Communication skills: SMEs need to be able to share their expertise with others, including in meetings, training sessions, and seminars. They may also need to interact with customers. 
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• Commitment to relevancy: SMEs need to keep up with changes in industry practices and protocols. 
• 
  
• Continuous learning and adaptability: SMEs need to be eager to learn and stay current with the latest updates. 
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• SAP functional skills: SMEs need to have a deep understanding of SAP modules. 
• 
  
• Process standardization: SMEs may be responsible for standardizing processes and ensuring proper alignment within their area of the business. 
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• Identifying and fixing operational issues: SMEs may identify and fix operational issues that staff face on a daily basis

 Key skills: Secondary research, report writing, Strategic activities, CI activities

Qualification: MBA Marketing(Must Have)

• Over 3-5 years of experience in consulting environment
• Would have worked on verity of projects with special focus on Growth Strategy
• Consulting, Market Entry, Competitor Intelligence, Opportunity Screening and Analysis, Communications and Strategic Marketing, Customer Segmentation, Innovation/Digital Transformation
• Conversant in advanced PowerPoint, Advanced Excel and other office tools
• Highly reliable and attentive, well organized
• High communication skills and team player
• Ability to work in a multi-cultural environment

Roles and responsibilities:

• Should be the single point of contact for all project related queries and concerns.
• Should ensure project delivery and quality at desired level.
• Adherence to the Process.
• Oversee daily activities of the team and provide direction and guidance as needed.
• Manage resources as per workload.
• Address delivery issues in a timely fashion.
• Ensure operational excellence by making team technically competent enough.
• Evaluate the performance of team members and determine training needs.

Desired candidate profile:

• Overall experience of 15 Yrs. to 20 Yrs.
• 5+ yrs. of experience on project management and project delivery.
• Should have proven experience on coding and managing teams using Java, J2ee, iOS, Android, AWS, Node JS, and Python.
• Adoption to the new technologies is desired.
• Understanding of firmware and protocols related to IOT, Bluetooth will be added advantage
• Required to be technical and hands on coding if needed.
• Candidates should be Process oriented and execute projects in Scrum/Agile methodologies.

Roles and Responsibilities

Serve as an integrator between business needs and technology solutions, helping to create technology solutions to meet clients business needs. 

Defining systems strategy, developing system requirements, designing and prototyping, testing, training, defining support procedures and implementation. 

Perform accurate analysis and effective diagnosis of client issues and manage day-to-day client relationships at peer client levels. 

Desired Candidate Profile

• 1+ years of relevant technology consulting or industry experience 
•  Strong working knowledge of AEM/Digital Marketing Suite 
•  Java, J2EE strong knowledge in Web-centric applications 
• Experience with full lifecycle of application from requirement gathering to deployment.
• Make changes to AEM site content, assets, and workflow
• Designs and builds components, templates, dialogs, and workflows using the AEM architecture (Sling, CRX, OSGI, JCR)
• Diagnoses and solves technical problems related to content management such as search result accuracy, dynamic content linking, formatting, image scaling, internationalization, and personalization
• Works in an agile, rapid development and prototyping environment
• Strong Java programming foundation and experience with OSGi bundles
• Knowledge on workflows ,Sling servlet, REST, JSON, Lucene indexing.
• Exposure to Coral / Granite UI, Adobe UI customization is a must
• Working Experience with Sightly / Sling models.
• Willingness to travel offshore and onshore 
• Strong knack and willingness for adapting latest and greatest technologies to drive performance.
• Exceptionally good at document and explaining core technical processes.

Perks and Benefits

• A Silver Adobe Solution partner, AEM Specialized and Magento partner
• Get to work with a young and dynamic team.
• Get to experience Agile methodology for real.
• Flexi timings.
• Exposure to one of the most exclusive technology of the hour AEM, Magento
• A team that will support you when you want to take an initiative in the favour of the organization.