Assistant Manager-Risk Analytics

Time Hack Consulting; Bengaluru; On-site; INR 900,000 - 1,300,000; Full time

Job summary

Time Hack Consulting in Bengaluru is seeking an Assistant Manager – Risk Analytics to lead risk strategy, portfolio monitoring, and underwriting for unsecured lending products. You will own end-to-end credit risk initiatives and mentor a team of analysts.

Work with leadership to optimize portfolio growth while controlling delinquencies and refining policies, scorecards, and governance frameworks across the risk function.

Qualifications

• 2-4 years of risk analytics, underwriting, or portfolio risk mgmt.
• Strong SQL and Python with statistical modeling experience.
• Knowledge of unsecured lending, RBI regulations, and credit life-cycle.

Responsibilities

• Lead design and refinement of data-driven credit policies and risk segmentation.
• Govern acquisition, behavioral, and collection scorecards; conduct gap analyses.
• Monitor portfolio health metrics and identify early warning signals.
• Collaborate with Product, Growth, and Biz to risk-adjust pricing and limits.
• Improve recovery through analytics-driven collections operations.
• Present performance and risk metrics to co-lending and NBFC partners.
• Mentor and lead a team of risk analysts.

Skills

unsecured personal loan

collection efficiency

portfolio monitoring

risk analytics

risk

python

underwriting

acquisition policy

sql

Job description

Job Description: Assistant Manager – Risk Analytics

Location: Bengaluru (Work from Office / On-site) 5 days(WFO) + Last 2 saturday(WFH)

Department: Risk Analytics & Credit Policy

Employment Type: Full-Time

About The Company

We are a fast-growing fintech start-up committed to keeping digital lending uncomplicated, fast, and exciting. Our mission is to deliver seamless personal credit to customers in under 3 minutes. Founded by seasoned ex-bankers and repeat entrepreneurs with extensive global retail banking, credit risk, and data analytics leadership experience, we are revolutionizing access to credit for salaried individuals across India.

Role Overview

We are looking for an experienced and driven Assistant Manager – Risk Analytics to lead our risk strategy, portfolio monitoring, and credit underwriting framework. In this role, you will take end-to-end ownership of credit risk strategies across unsecured lending products, mentor analytical talent, and work closely with leadership to optimize portfolio growth while managing delinquencies.

Key Responsibilities

• Credit Policy & Strategy Leadership: Design, refine, and implement data-driven credit policies, underwriting rules, and risk segmentation strategies across unsecured retail lending products.
• Scorecard & Model Governance: Oversee the development, deployment, and performance monitoring of acquisition, behavioral, and collection scorecards, conducting regular gap analyses and hypothesis testing.
• Portfolio Risk Management: Monitor key portfolio health metrics (delinquency trends, vintage curves, roll rates), identify early warning signals, and drive proactive risk mitigation actions.
• Growth & Monetization Strategies: Partner with Product, Growth, and Business teams to develop risk-adjusted pricing frameworks, limit enhancement programs, and pre-approved cross-sell strategies.
• Collections & Operations Optimization: Deploy analytical frameworks and segmentation strategies to enhance recovery efficiency, ensuring direct operational feedback loops into credit decision engines.
• Partner & Stakeholder Management: Present portfolio performance, program innovations, and risk appetite metrics to co-lending partners, NBFC partners, and institutional stakeholders.
• Team Leadership & Mentorship: Lead, mentor, and guide a team of risk analysts, fostering a culture of analytical rigor, innovation, and high ownership.

What We Are Looking For

• Experience: 2-4 years of relevant experience in Risk Analytics, Credit Underwriting, or Portfolio Risk Management, preferably within a high-growth Fintech, NBFC, or Retail Bank.
• Technical Skills: Advanced proficiency in SQL and Python; strong command over statistical modeling, feature engineering, and predictive analytics.
• Domain Expertise: Deep understanding of unsecured lending products (Personal Loans, Instant Consumer Loans), bureau data architectures, RBI regulations, and credit life-cycle dynamics.
• Analytical Problem Solving: Strong hypothesis-driven mindset with proven capability to convert complex data into actionable risk strategies.
• Leadership & Communication: Excellent stakeholder management and communication skills to influence cross-functional business decisions.

Skills

unsecured personal loan,collection efficiency,portfolio monitoring,risk analytics,risk,python,underwriting,acquisition policy,sql