Chief Manager - SME Risk PL

Credit Saison India; Bengaluru; On-site; INR 1,600,000 - 2,300,000; Full time

Job summary

Credit Saison India is hiring for a data analytics role focused on portfolio analysis, risk analytics, and credit strategies. The position emphasizes collaboration with product and engineering teams and requires strong SQL and Python/R skills, plus fintech experience.

Based in Bengaluru, the team conducts in-depth portfolio delinquencies analysis, leverages machine learning techniques, and handles both structured and unstructured data to optimize underwriting and risk models.

Qualifications

• Bachelor's degree in Computer Science, Engineering or related field.
• 6+ years of experience in Data science, Risk Analytics or Risk Management.
• Proficiency in SQL and Python or R.
• Strong statistical concepts including descriptive analytics, experimental design and distributions.
• Proficiency with machine learning techniques and data mining.
• Experience with structured and unstructured data; fintech exposure preferred.

Responsibilities

• Conduct portfolio analysis and monitor delinquencies at a micro level.
• Help develop credit strategies across the customer lifecycle.
• Identify trends via analytics across portfolio segments.
• Provide analytical support for internal portfolio reviews.
• Collaborate with Product and Engineering to implement risk strategies.
• Work with Data Science to input model variables and optimize cutoffs.
• Understand data sources and optimize underwriting use.
• Understand unsecured credit products and translate problems into analytics.

Skills

SQL

Python

R

Statistical concepts

Machine learning

Data analysis

Structured data

Education

Bachelor's degree in Computer Science or Engineering

Tools

SQL

Job description

About Credit Saison India

Established in 2019, Credit Saison India (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 lender and evolving its offerings in India for the long-term for MSMEs, households,

Established in 2019, Credit Saison India (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 lender and evolving its offerings in India for the long-term for MSMEs, households, individuals and more. Credit Saison 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, Credit Saison India has a branch network of 80+ physical offices, 2.06 million active loans, an AUM of over US$2B and an employee base of about 1,400 employees. Credit Saison 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. 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. Based in Singapore, Saison International’s global operations span over Singapore, India, Indonesia, Thailand, Vietnam, Mexico, Brazil, with active investments in debt, equity, corporate venture capital, and technology.

Roles & Responsibilities

• Conduct Portfolio Analysis and Monitor Portfolio delinquencies at a micro level, identification of segments, programs, locations, and profiles which 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 the opportunity to further increase the quality of the portfolio
• Work with Product team and engineering team to help implements the Risk strategies
• Work with 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 alternate) and optimum use of the same in underwriting
• Should have good understanding about various unsecured credit products
• Should be able to understand the business problems and helps convert them into the analytical solutions

Required Skills & Qualifications

• Bachelor's degree in Computer Science, Engineering or related field from top tier (IIT/IIIT/NIT/BITS)
• 6 + years of experience working in Data science/Risk Analytics/Risk Management with experience in building the 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, Probability distributions
• Proficiency with statistical and data mining techniques
• Proficiency with machine learning techniques such as decision tree learning etc.
• Should have an experience working with both structured and unstructured data
• Fintech or Retail/ SME/LAP/Secured lending experience is preferred