Credit Risk Analyst

Paytm Services Private Limited; Bengaluru; On-site; INR 700,000 - 1,200,000; Full time

Job summary

Paytm Services Private Limited is seeking a detail-oriented Risk Analyst to join our risk management team. You will implement credit risk policies, optimize policies, and ensure regulatory compliance across lending platforms.

Collaborate with data scientists, product managers, and credit teams to enhance underwriting models, monitor policy performance, and provide actionable insights for risk mitigation.

Qualifications

• 1–3 years of fintech or banking experience.
• Proficient in SQL and Python for data analysis.
• Strong analytical, problem-solving and communication skills.

Responsibilities

• Analyze credit risk across merchant and personal loan products.
• Liaise with business teams to implement credit risk policies on the platform.
• Implement credit risk policies on our proprietary platform.
• Monitor policy performance and provide feedback to product and policy teams.
• Use alternative data sources, ML models, and traditional methods to assess risk.
• Conduct testing and scenario analysis to assess policy resilience.
• Monitor KRIs and provide actionable insights to management.
• Ensure compliance with regulatory guidelines and internal policies.
• Collaborate with product and tech teams to embed risk-driven decisions in lending.

Skills

Analytical thinking

Problem solving

Communication

Education

B.Tech (NIT/BITS or reputed)

Tools

SQL

Python

Job description

Risk Analyst

About Us: Paytm is India’s leading mobile payments and financial services distribution company. A pioneer of the mobile QR payments revolution, Paytm builds technology that enables small businesses and consumers to participate in the digital economy. Our mission is to serve half a billion Indians and bring them into the mainstream economy through technology.

About the Team:

The Credit Risk Product Team is at the core of our lending operations, ensuring that our risk assessment models are efficient, scalable, and compliant with regulatory frameworks. The team collaborates closely with data scientists, engineers, and business stakeholders to develop and enhance credit risk models, decisioning frameworks, and risk mitigation strategies. By leveraging advanced analytics and machine learning, the team continuously refines underwriting processes to optimize loan performance and reduce defaults.

About the Role:

We are seeking a detail-oriented Credit Analyst to join our risk management team. The ideal candidate will be responsible for implementing credit risk policies, optimizing risk policies, and ensuring compliance with regulatory requirements. You will work closely with data scientists, product managers, and credit teams to enhance our underwriting models and decisioning frameworks.

Key Responsibilities:

• Analyze credit risk across various products, including merchant and personal loans, postpaid.
• Liaison with the business team to understand the credit risk policies and implement the same on platform.
• Implement the credit risk policies on our proprietary platform.
• Monitor performance of credit risk policies. Share feedback with product and Policy team what's working well and what needs improvement.
• Utilize alternative data sources, machine learning models, and traditional credit assessment techniques to enhance risk evaluation.
• Conduct testing and scenario analysis to measure policy resilience.
• Monitor key risk indicators (KRIs) and provide actionable insights to management.
• Ensure compliance with regulatory guidelines and internal risk policies.
• Collaborate with product and technology teams to integrate risk-based decision-making into lending processes.

Requirements:

• 1-3 years of experience, preferably in a fintech or banking environment.
• Proficiency in SQL, Python, for data analysis and manipulation.
• Excellent analytical, problem-solving, and communication skills.
• Ability to work in a fast-paced, dynamic environment and collaborate across teams.
• Education qualification: B.Tech- NIT/BITS or any other reputed institutions

Why Join us?

Bragging rights to be behind the largest fintech lending play in India. A fun, energetic and a once-in-a-lifetime environment that enables you to achieve your best possible outcome in your career.

Compensation:

If you are the right fit, we believe in creating wealth for you Compensation: If you are the right fit, we believe in creating wealth for you. With enviable 500 mn+ registered users, 21 mn+ merchants and depth of data in our ecosystem, we are in a unique position to democratize credit for deserving consumers & merchants – and we are committed to it. India’s largest digital lending story is brewing here. It’s your opportunity to be a part of the story!