Credit Risk Analyst

One97 Communications Limited; Dadri; On-site; INR 1,000,000 - 1,500,000; Full time

Job summary

One97 Communications Limited is seeking a Credit Risk Analyst in Dadri, Uttar Pradesh to lead the monitoring and optimization of lending portfolios. The role involves developing risk strategies and providing actionable insights to drive growth.

The ideal candidate should have 5 to 8 years of relevant experience, strong analytical skills, and proficiency in SQL, Python, and other relevant tools. A collaborative spirit and problem-solving skills are essential for success.

Qualifications

• 5 to 8 years in portfolio risk management function in Fintech/Banks/NBFC.
• Hands-on experience in SQL, Python, R, Pyspark.
• Good understanding of Bureau data, Alternate Data, Scorecards, Digital Lending API's etc.

Responsibilities

• Monitor, analyse and optimise lending portfolios.
• Oversee portfolio health and develop risk strategies.
• Support business growth through risk-adjusted decision making.

Skills

SQL

Python

R

Pyspark

Business intelligence (BI) tools

Machine learning models in credit risk

Stakeholder management

Problem-solving

Tools

Tableau

Looker

Metabase

Job description

About the role

Evangelize and demonstrate the value and impact of analytics for informed business decision making by developing and deploying analytical solutions and providing data‑driven insights to business stakeholders to understand and solve for various lending business nuances.

The Credit Risk Analyst will be responsible for monitoring, analysing and optimising lending portfolios across consumer/merchant lending products. This includes overseeing portfolio health, developing and refining risk strategies and supporting business growth through risk‑adjusted decision making.

Key Responsibilities

• Stress Testing & Risk Containment
• Product & Growth Partnership
• Collections Interface / Strategy

Requirements

• 5 to 8 years in portfolio risk management function in Fintech/ Banks/ NBFC
• Hands‑on experience in SQL, Python, R, Pyspark
• Good understanding of Bureau data, Alternate Data, Scorecards, Digital Lending API's etc.
• Ability to translate data into clear insights and recommendations
• Familiarity with BI tools like Tableau, Looker, Metabase etc.
• Understanding of machine learning models in credit risk
• Strong problem‑solving and stakeholder management skills
• A collaborative, output‑driven program that brings cohesiveness across businesses through technology
• Improve the average revenue per use by increasing cross‑sell opportunities
• A solid 360 feedback from peer teams on your support of their goals
• Respect that is earned, not demanded from peers and managers