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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!
- Conducting advanced statistical analysis to provide actionable insights, identify trends, and measure performance
- Performing data exploration, cleaning, preparation and feature engineering; in addition to executing tasks such as building a POC, validation/ AB testing
- Collaborating with data engineers & architects to implement and deploy scalable solutions
- Communicating results to diverse audiences with effective writing and visualizations
- Identifying and executing on high impact projects, triage external requests, and ensure timely completion for the results to be useful
- Providing thought leadership by researching best practices, conducting experiments, and collaborating with industry leaders
What you need to have:
- 2-4 year experience in machine learning algorithms, predictive analytics, demand forecasting in real-world projects
- Strong statistical background in descriptive and inferential statistics, regression, forecasting techniques.
- Strong Programming background in Python (including packages like Tensorflow), R, D3.js , Tableau, Spark, SQL, MongoDB.
- Preferred exposure to Optimization & Meta-heuristic algorithm and related applications
- Background in a highly quantitative field like Data Science, Computer Science, Statistics, Applied Mathematics,Operations Research, Industrial Engineering, or similar fields.
- Should have 2-4 years of experience in Data Science algorithm design and implementation, data analysis in different applied problems.
- DS Mandatory skills : Python, R, SQL, Deep learning, predictive analysis, applied statistics
- Sr. Data Engineer:
Core Skills – Data Engineering, Big Data, Pyspark, Spark SQL and Python
Candidate with prior Palantir Cloud Foundry OR Clinical Trial Data Model background is preferred
Major accountabilities:
- Responsible for Data Engineering, Foundry Data Pipeline Creation, Foundry Analysis & Reporting, Slate Application development, re-usable code development & management and Integrating Internal or External System with Foundry for data ingestion with high quality.
- Have good understanding on Foundry Platform landscape and it’s capabilities
- Performs data analysis required to troubleshoot data related issues and assist in the resolution of data issues.
- Defines company data assets (data models), Pyspark, spark SQL, jobs to populate data models.
- Designs data integrations and data quality framework.
- Design & Implement integration with Internal, External Systems, F1 AWS platform using Foundry Data Connector or Magritte Agent
- Collaboration with data scientists, data analyst and technology teams to document and leverage their understanding of the Foundry integration with different data sources - Actively participate in agile work practices
- Coordinating with Quality Engineer to ensure the all quality controls, naming convention & best practices have been followed
Desired Candidate Profile :
- Strong data engineering background
- Experience with Clinical Data Model is preferred
- Experience in
- SQL Server ,Postgres, Cassandra, Hadoop, and Spark for distributed data storage and parallel computing
- Java and Groovy for our back-end applications and data integration tools
- Python for data processing and analysis
- Cloud infrastructure based on AWS EC2 and S3
- 7+ years IT experience, 2+ years’ experience in Palantir Foundry Platform, 4+ years’ experience in Big Data platform
- 5+ years of Python and Pyspark development experience
- Strong troubleshooting and problem solving skills
- BTech or master's degree in computer science or a related technical field
- Experience designing, building, and maintaining big data pipelines systems
- Hands-on experience on Palantir Foundry Platform and Foundry custom Apps development
- Able to design and implement data integration between Palantir Foundry and external Apps based on Foundry data connector framework
- Hands-on in programming languages primarily Python, R, Java, Unix shell scripts
- Hand-on experience in AWS / Azure cloud platform and stack
- Strong in API based architecture and concept, able to do quick PoC using API integration and development
- Knowledge of machine learning and AI
- Skill and comfort working in a rapidly changing environment with dynamic objectives and iteration with users.
Demonstrated ability to continuously learn, work independently, and make decisions with minimal supervision
● Ability to do exploratory analysis: Fetch data from systems and analyze trends.
● Developing customer segmentation models to improve the efficiency of marketing and product
campaigns.
● Establishing mechanisms for cross functional teams to consume customer insights to improve
engagement along the customer life cycle.
● Gather requirements for dashboards from business, marketing and operations stakeholders.
● Preparing internal reports for executive leadership and supporting their decision making.
● Analyse data, derive insights and embed it into Business actions.
● Work with cross functional teams.
Skills Required
• Data Analytics Visionary.
• Strong in SQL & Excel and good to have experience in Tableau.
• Experience in the field of Data Analysis, Data Visualization.
• Strong in analysing the Data and creating dashboards.
• Strong in communication, presentation and business intelligence.
• Multi-Dimensional, "Growth Hacker" Skill Set with strong sense of ownership for work.
• Aggressive “Take no prisoners” approach.
- Must have 5-8 years of experience in handling data
- Must have the ability to interpret large amounts of data and to multi-task
- Must have strong knowledge of and experience with programming (Python), Linux/Bash scripting, databases(SQL, etc)
- Must have strong analytical and critical thinking to resolve business problems using data and tech
- Must have domain familiarity and interest of – Cloud technologies (GCP/Azure Microsoft/ AWS Amazon), open-source technologies, Enterprise technologies
- Must have the ability to collect, organize, analyze, and disseminate significant amounts of information with attention to detail and accuracy.
- Must have good communication skills
- Working knowledge/exposure to ElasticSearch, PostgreSQL, Athena, PrestoDB, Jupyter Notebook
● Working hand in hand with application developers and data scientists to help build softwares that scales in terms of performance and stability Skills ● 3+ years of experience managing large scale data infrastructure and building data pipelines/ data products. ● Proficient in - Any data engineering technologies and proficient in AWS data engineering technologies is plus. ● Language - python, scala or go ● Experience in working with real time streaming systems Experience in handling millions of events per day Experience in developing and deploying data models on Cloud ● Bachelors/Masters in Computer Science or equivalent experience Ability to learn and use skills in new technologies
Pipelines should be optimised to handle both real time data, batch update data and historical data.
Establish scalable, efficient, automated processes for complex, large scale data analysis.
Write high quality code to gather and manage large data sets (both real time and batch data) from multiple sources, perform ETL and store it in a data warehouse.
Manipulate and analyse complex, high-volume, high-dimensional data from varying sources using a variety of tools and data analysis techniques.
Participate in data pipelines health monitoring and performance optimisations as well as quality documentation.
Interact with end users/clients and translate business language into technical requirements.
Acts independently to expose and resolve problems.
Job Requirements :-
2+ years experience working in software development & data pipeline development for enterprise analytics.
2+ years of working with Python with exposure to various warehousing tools
In-depth working with any of commercial tools like AWS Glue, Ta-lend, Informatica, Data-stage, etc.
Experience with various relational databases like MySQL, MSSql, Oracle etc. is a must.
Experience with analytics and reporting tools (Tableau, Power BI, SSRS, SSAS).
Experience in various DevOps practices helping the client to deploy and scale the systems as per requirement.
Strong verbal and written communication skills with other developers and business client.
Knowledge of Logistics and/or Transportation Domain is a plus.
Hands-on with traditional databases and ERP systems like Sybase and People-soft.