Credit Risk Analyst

Vola Finance; Bengaluru; On-site; INR 900,000 - 1,300,000; Full time

Job summary

Vola Finance is seeking a Credit Risk Analyst to develop risk strategies for a retail loan portfolio, leveraging transaction data and risk scores. You will validate scorecards, monitor performance, and drive insights through analysis and testing.

The role requires 4–5 years of experience in credit risk within fintech, strong Python and SQL skills, and proficiency with data visualization tools. You will collaborate with multiple teams to optimize the loan book and reporting processes.

Qualifications

• Retail loan portfolio credit risk strategy experience required.
• Proficient in Python.
• Strong statistical analysis and A/B testing.
• Advanced Excel skills.
• Strong SQL knowledge.
• Experience with data visualization tools such as Redash, Grafana, Tableau or Power BI.
• Version control with Bitbucket or GitHub.

Responsibilities

• Develop credit risk strategies for the retail loan portfolio using transactional data and risk scores.
• Perform customer segmentation for cross-sell and upsell opportunities.
• Validate and monitor scorecards.
• Run A/B tests and derive insights to grow the loan book.
• Predict and manage NPAs; improve collection analytics and recovery efficiency.
• Collaborate with cross-functional teams to gather data and derive insights.
• Monitor key risk metrics and generate reports.

Skills

Credit risk strategy

A/B testing

Statistical analysis

Data analysis

Cross-functional collaboration

Tools

Python

Excel

SQL

Redash

Grafana

Tableau

Power BI

Bitbucket

GitHub

Job description

Credit risk analyst

Work experience - 4 to 5 years

Domain - Credit risk / Fintech

Roles and Responsibilities :

1. Credit risk strategy development for retail loan portfolio using users transactional data and risk scores
2. Cross-sell and upsell using customer segmentation
3. Scorecard validation and Monitoring
4. A/B testing and deriving insights to grow the loan book
5. NPA management and prediction
6. Collection analytics and recovery efficiency improvements
7. Team player who can work with cross-functional teams to gather data and derive insights
8. Monitoring key risk metrics and report generation

Mandatory Technical skill set :

1. Previous experience in credit risk strategy development for retail loan portfolios is mandatory
2. Python
3. Statistical analysis and A/B testing
4. Excel
5. SQL
6. Visualisation tools such as Redash / Grafana / Tableau / Power BI
7. Bitbucket, Githubs and versioning tools