Retail Assets Analytics Role - MSME Lending

Role :

The individual will work closely with the top management of the Bank & Head Retail Assets Analytics MSME Lending in creating and refining credit underwriting models for unsecured business loans, overdrafts (secured / unsecured), loans against card receivables, invoice discounting.

Responsibilities :

- Drive the risk ranking model creation for retail lending products such as unsecured business loans, overdrafts (secured / unsecured), loans against card receivables, invoice discounting, etc.

- Continuous assessment of model response on early risk indicators such as first payment default and lagged delinquency at 3 month etc through automated dashboards for continuous refinement in model performance.

- Evaluate partnerships in MSME lending segment with other Fintechs to identify the segments which are suitable from a risk-reward point of view and are within the acceptable risk appetite of the bank; regular portfolio monitoring of portfolio built under partnership lending.

- Identification of new opportunities in MSME lending emerging in the market and design of our underwriting models for such products.

Desired Candidate Profile :

- Post Graduation / B.Tech/B.E. from Tier 1 College in Engineering or Statistics/Mathematics

- Experience in analytics team on the MSME Lending business with Banks/NBFC/ Fintechs.

- Must have exposure of Unsecured Business loans, Overdrafts ( secured / unsecured), Loans against cards receivables and invoice discounting.

- Hands on experience in Machine learning modeling using Python

- Hands on statistical model development experience