Senior Risk Analyst - Branch Lead

Responsibilities:

- Conduct Portfolio Analysis and Monitor Portfolio delinquencies at a micro level, identification of segments, programs, locations, and profiles that are delinquent or working well.

- Helps to develop credit strategies across the customer lifecycle (acquisitions, management, fraud, collections, etc. )

- Identify trends by performing necessary analytics at various cuts for the Portfolio.

- Provide analytical support to various internal reviews of the portfolio and help identify opportunities to further increase the quality of the portfolio.

- Work with the Product team and the engineering team to help implement the Risk strategies.

- Work with the Data science team to effectively provide inputs on the key model variables and optimise the cut-off for various risk models.

- Create a deep level understanding of the various data sources (Traditional as well as alternative) and the optimum use of the same in underwriting.

- Should have a good understanding of various unsecured credit products.

- Should be able to understand the business problems and help convert them into analytical solutions.

Requirements:

- Bachelor's degree in Computer Science, Engineering, or related field from a top-tier (IIT/IIIT/NIT/BITS).

- 2-5 years of experience working in Data science/Risk Analytics/Risk Management with experience in building models/Risk strategies, or generating risk insights

- Proficiency in SQL and other analytical tools/scripting languages such as Python or R.

- Deep understanding of statistical concepts including descriptive analysis, experimental design and measurement, Bayesian statistics, confidence intervals, and Probability distributions.

- Proficiency with statistical and data mining techniques.

- Proficiency with machine learning techniques such as decision tree learning, etc.

- Should have experience working with both structured and unstructured data.

- Fintech or Retail/ SME/LAP/Secured lending experience is preferred.