Product Analyst - Team Lead - Risk
Product Analyst - Team Lead - Risk
Posted on :
01-06-2025
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1 Vacancy
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Job Description
Product Analyst - Team Lead -Risk
About Us:
Paytm is Indias leading mobile payments and financial services distribution company. Pioneer of the mobile QR payments revolution in India Paytm builds technologies that help small businesses with payments and commerce. Paytms mission is to serve half a billion Indians and bring them to the mainstream economy with the help of technology.
About the Team:
The Credit Risk Product Team is at the core of our lending operations ensuring that our risk assessment models are efficient scalable and compliant with regulatory frameworks. The team collaborates closely with data scientists engineers and business stakeholders to develop and enhance credit risk models decisioning frameworks and risk mitigation strategies. By leveraging advanced analytics and machine learning the team continuously refines underwriting processes to optimize loan performance and reduce defaults.
About the Role:
We are seeking a detail-oriented Business Analyst to join our risk management team. The ideal candidate will be responsible for implementing credit risk policies optimizing risk policies and ensuring compliance with regulatory requirements. You will work closely with data scientists product managers and credit teams to enhance our underwriting models and decisioning frameworks.
Key Responsibilities:
-Analyze credit risk across various credit products including credit cards merchant and personal loans.
-Liaison with the business team to understand the credit risk policies and implement the same on platform.
-Monitor performance of credit risk policies. Share feedback with Product and Policy team whats working well and what needs improvement
-Utilize alternative data sources machine learning models and traditional credit assessment techniques to enhance risk evaluation.
-Conduct testing and scenario analysis to measure policy resilience.
-Monitor key risk indicators (KRIs) and provide actionable insights to management.
-Ensure compliance with regulatory guidelines and internal risk policies.
-Collaborate with product and technology teams to integrate risk-based decision-making into lending processes.
Requirements:
-1-2 years of experience preferably in a fintech or banking environment.
-Proficiency in SQL Python for data analysis and manipulation.
-Understanding of technical details like API Kafka will be a plus.
-Excellent analytical problem-solving and communication skills.
-Ability to work in a fast-paced dynamic environment and collaborate across teams.
-Education qualification: - NIT/BITS or any other reputed institutions
Why Join us
Bragging rights to be behind the largest fintech lending play in India
A fun energetic and a once-in-a-lifetime environment that enables you to achieve your best possible outcome in your career
With enviable 500 mn registered users 21 mn merchants and depth of data in our ecosystem we are in a unique position to democratize credit for deserving consumers & merchants and we are committed to it. Indias largest digital lending story is brewing here. Its your opportunity to be a part of the story!
Required Experience:
IC
Employment Type
Full Time
Key Skills
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