Credit Analyst

Responsibilities • Responsible for end-to-end risk strategies including underwriting, limit assignment, risk based pricing and tenure eligibility. • Manage the existing users’ life time value through post loan management including limit adjustment • Develop and track key indicators from both internal and external data sources to detect abnormal risk trends and optimize risk strategies. • Conduct data analysis on risk exposure and profitability to identify opportunities for product and strategy improvement. Provide credit risk insights and recommendations to internal teams and stakeholders. • Assess business operations and market trends to enhance competitive positioning. • Collaborate with Data Science, Business Development, and Product teams to launch new initiatives and grow the business while controlling risk Requirements: • Bachelor’s or Master’s degree in Math, Physics, Statistics, Quantitative Finance, Statistics, Computer Science, Economics, Business Analytics, Data Science, or other quantitative fields. • Minimum 3 years experience in a quantitative role. Prior experience in Retail/Institutional Banking, Consumer/SME Finance, Supply Chain Finance, e-Commerce, Consulting, or Credit Ratings is a plus. • Hands-on experience with making impactful business decision through analyzing large data set • Experience with conducting A/B tests to verify hypotheses that lead to actionable items to improve the business • Proficiency in SQL, Python, Excel, PPT. • Strong attention to detail and ability to identify data inconsistencies. • Effective communication skills to present complex insights to technical and business stakeholders.