Analyst - Consumer Risk

Creditsaison; Bengaluru; On-site; INR 600,000 - 1,000,000; Full time

Job summary

Credit Saison India is looking for a Data Analyst to support its analytics team based in Bengaluru. This role involves analyzing business, product, and operational metrics through complex quantitative analyses, and developing risk strategies for credit management.

Ideal candidates should have at least 2 years of experience in data science or risk analytics, a relevant academic background, and proficiency in SQL and Python. The role offers opportunities to work cross-functionally and develop innovative solutions in the fintech space.

Qualifications

• 2+ years of experience in Data science/Risk Analytics/Risk Management.
• Proficiency in SQL and other analytical tools/scripting languages.
• Deep understanding of statistical concepts.

Responsibilities

• Collaborate across functions to analyze business metrics.
• Execute complex quantitative analyses for insights.
• Develop credit strategies and monitor portfolio performance.

Skills

SQL

Python

Data analysis

Risk strategies

Education

Bachelor's or Master's in Statistics, Economics, Computer Science, or Engineering

Tools

Statistical modeling techniques

Visualization tools

Job description

Established in 2019, CS India is one of the country’s fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting India’s huge gap for credit, especially with underserved and under penetrated segments of the population.

Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long-term for MSMEs, households, individuals and more. CS India is registered with the Reserve Bank of India (RBI) and has an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings.

Currently, CS India has a branch network of 45 physical offices, 2.06 million active loans, an AUM of over US$174.5 million and an employee base of about 1,300+ people.

Credit Saison India (CS India) is part of Saison International, a global financial company with a mission to bring people, partners and technology together, creating resilient and innovative financial solutions for positive impact.

Across its business arms of lending and corporate venture capital, Saison International is committed to being a transformative partner in creating opportunities and enabling the dreams of people.

Based in Singapore, over 1,000 employees work across Saison’s global operations spanning Singapore, India, Indonesia, Thailand, Vietnam, Mexico, Brazil.

Saison International is the international headquarters (IHQ) of Credit Saison Company Limited, founded in 1951 and one of Japan’s largest lending conglomerates with over 70 years of history and listed on the Tokyo Stock Exchange. The Company has evolved from a credit‑card issuer to a diversified financial services provider across payments, leasing, finance, real estate and entertainment.

Key Responsibilities:

• Collaborate and coordinate across functions to dissect business, product, growth, acquisition, retention, and operational metrics.
• Execute deep & complex quantitative analyses that translate data into actionable insights.
• Should have a good understanding of various unsecured credit products.
• The ability to clearly and effectively articulate and communicate the results of complex analyses.
• Create a deep-level understanding of the various data sources (Traditional as well as alternative) and optimum use of the same in underwriting.
• Work with the Data Science team to effectively provide inputs on the key model variables and optimize the cut‑off for various risk models.
• Help to develop credit strategies/monitoring framework across the customer lifecycle (acquisitions, management, fraud, collections, etc.).
• Conduct Portfolio Analysis and Monitor Portfolio delinquencies at a micro level, identification of segments, programs, locations, and profiles that are delinquent or working well.

Basic Qualifications:

• Bachelor’s or Master’s degree in Statistics, Economics, Computer Science, or other Engineering disciplines.
• 2+ 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 is a must.
• Deep understanding of statistical concepts including descriptive analysis, experimental design and measurement, Bayesian statistics, confidence intervals, Probability distributions.
• Experience and knowledge of statistical modeling techniques: GLM multiple regression, logistic regression, log‑linear regression, variable selection, etc.

Good to have:

• Exposure to the Fintech industry, preferably digital lending background.
• Exposure to visualization techniques & tools.