Lead - Credit Analytics - MSME Loans

Position: Credit Analytics Lead

Experience: 5+ yrs

Location: Remote

Job Type: Permanent

Qualification: B.Tech \ B.E / MCA

Job Overview:

You will help solve analytical problems across the organization and propose product and credit policy changes to improve company profitability. Specifically, you will monitor the MSME Loans portfolio, create a user valuation model, and propose new product and pricing strategies.

Responsibilities:

- Own the Credit policy for MSME Loans in India - Collaborate with cross-functional teams to design and implement credit policies and underwriting guidelines tailored to the needs of MSME borrowers.

- Monitor the performance of the MSME loans portfolio and identify trends, anomalies, and emerging risks

- Ensure compliance with KYC norms, regulatory requirements, and internal risk management standards

- Monitor and update credit policy to optimize for company risk, profitability, and growth targets

- Propose data-driven product changes to improve customer experience and company profitability. Partner with product and engineering teams to implement your solution into production

- Lead weekly credit committee meeting to share performance updates and analyses

- Conduct ad-hoc analysis to identify underlying explanations for changes in portfolio performance, develop data-driven solutions, and evaluate expected portfolio impacts

- Collaborate with data science, product, and engineering to propose hypothesis testing to improve risk and profitability

- Develop statistical models to assist in pricing and user segmentation for capital markets transactions and financial data analysis

- Support the marketing and product team with their data needs

Requirements:

- Fluency in SQL and R/Python

- Previous experience in analytics and/or quantitative modeling, using large datasets

- Experience analyzing, visualizing and communicating impactful insights to management, investors and / or auditors

- Strong strategic thinking and problem-solving skills

- 5+ years relevant experience in Credit Analytics with at least 2 years experience in Credit Analytics for MSME Loans in India

- Enthusiasm for working across cultures, functions, and time zones

Mandatory:

Stability in Career.

MSME Loans experience.

Credit Analytics in Fin Tech Industry.

Fluency in SQL & Python