UI Designer

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!

Selected intern's day-to-day responsibilities include:

1. Contacting potential & existing clients to establish rapport and arrange meetings

2. Conducting research on organizations to find new opportunities

3. Working on increasing the value of current customers while attracting new ones

4. Finding and developing new markets and improving sales

5. Helping the team with various marketing initiatives

6. Assisting the team in developing quotes and proposals for clients

7. Coordinating with the development team to resolve customer issues, give demonstrations, and upsell & cross-sell

 Extensive (4+ years) knowledge of web technologies and building large scale web applications​

· Strong proficiency in Java Script​

· Expertise in Object-oriented programming​

· Understanding the fully asynchronous behavior of React.js (Redux)

· Solid understanding of user-centered design principles and MVC/MVP/MVVM patterns specific​

to front- end development​

· Good in problem-solving skills​

· Good in English communication (verbal and written)

• Building Progressive Web App components and features for the companys advanced health-tech platform using React Js, Node Js
• Communicating effectively in a cross-functional product development team and presenting ideas and solutions effectively.

•  Software Architecture and Design.

•  Development and Testing.

•  Deployments and Operations.

Roles & Responsibilities :

We are looking for Senior Software Developer (Elixir/ROR) who have past experience in Elixir or Erlang.

• Design and write with the cutting edge Elixir/ ROR language to improve the availability, scalability, latency, and efficiency of the company's range of products.
• Work with the engineering team to explore and create new design/architectures geared towards scale and performance.
• Participate in code and design reviews to maintain our high development standards.
• Engage in service capacity and demand planning, software performance analysis, tuning and optimization.
• Collaborate with product and experience teams to define and prototype feature specifications.
• Work closely with the infrastructure team in building and scaling back-end services as well as performing root cause analysis investigations.
• Design, build, analyze and fix large-scale distributed systems.

Qualifications :

We are looking for developers with 5+ years of experience of which 1-2 yrs of past work experience with ROR / Elixir or Erlang. In terms of Elixir we expect the following:

• You should be aware of idiomatic programming in Elixir, and should have good awareness of concepts such as pattern matching, recursion, and behaviors.
• You should be well versed with concurrency and processes in Elixir. 
• You should be hands on with Genservers, Tasks, Agents, Supervisors, and other OTP concepts in Elixir.
• Plus points if you have worked with data processing libraries such as Genstage, Flow and Broadway.
• 5+ years of overall software engineering experience.
• You should have good experience working with relational and non-relational databases. We use Postgres and Cassandra.
• Good to have but not mandatory working experience with caching tools such as Redis, Queue mechanism setup with RabbitMQ.
• Good knowledge of version management with Git.
• Awareness of TDD. 
• CI/CD knowledge would be a huge advantage.
• Will to design and maintain large scale distributed systems.
• Past experience in building complex applications, either by yourself, or as part of a larger team
• Desire (obsessive?) for maintainability.
• Experience of working with cross-functional remote teams in an Agile software development framework.
• Experience in designing APIs with proper documentation.
• Ability to write useful and maintainable tests.
• Good understanding of the common architectural patterns and design principles.
• Solid understanding of how modern web applications work.
• (Nice to have) Being an active member of the Elixir community (writing blog posts, giving presentations in meetups, etc).
• Strong written and verbal communications skills in English to engage a variety of large audiences, internally and externally.
• Strong analytical and reasoning skills.
• Bachelor’s Degree or equivalent in any relevant discipline.