Credit Risk Analyst

Snapmint; Mumbai; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Snapmint is a leading fintech company redefining access to consumer credit in India. The Credit Risk Analytics role sits at the intersection of risk management, product strategy, and data engineering, focusing on portfolio observability and real-time decisioning for a high-volume digital lending platform.

You will own metrics used by product, risk, and business teams to guide decisions, challenge policy with data, and drive approval optimization across new and repeat user segments.

Qualifications

• Experience in fintech credit risk analytics and fraud/risk metrics.
• 1–3 years in credit risk analytics or lending analytics.
• Understanding of bureau scoring and risk concepts.

Responsibilities

• Own analytics for credit portfolio performance and decisions.
• Translate data into actionable risk insights for approval optimization.
• Monitor cohort performance and policy impact in real time.

Skills

Credit risk analytics

Lending analytics

Fraud/risk metrics

SQL

Python

Tools

SQL

Python

Job description

Snapmint is a leading fintech company redefining access to consumer credit in India. With over 10

million customers across 2,200+ cities, Snapmint’s zero-cost EMI platform enables responsible

purchases without the need for a credit card, across categories including fashion, electronics, and

lifestyle. India has over 300 million credit-eligible consumers, yet fewer than 35 million actively use credit cards. Snapmint bridges this gap by offering a trusted, transparent, and inclusive alternative, rooted in ethical lending practices and financial empowerment.

Founded in 2017, Snapmint is a profitable, high-growth company, doubling year-on-year. Our

founding team, alumni of IIT Bombay and ISB, brings deep expertise from organizations such as Oyo, Ola, and Maruti Suzuki, and has successfully built and exited ventures across ad-tech, patent

analytics, and bank-tech.

At Snapmint, we are building the future of responsible consumer finance,simple, transparent, and

customer-first.

https://snapmint.com/

About the Role

The Credit Risk Analytics owns the analytical foundation of the credit portfolio, translating ra wtransaction and customer data into actionable insights that drive approval optimization, ris kcalibration, and customer profitability. This role sits at the intersection of risk management, product strategy, and data engineering, directly influencing credit decisioning, policy setting, and portfolio performance for a high-volume digital lending platform processing 1M+ daily transactions. Unlike traditional credit risk analysts who focus on model building, this role emphasizes portfolio observability, cohort-based performance tracking, and real-time decisioning optimization across new and repeat user segments. You will own metrics that product, risk, and business teams dependon for decision-making—and you'll have the autonomy to challenge policy assumptions with data.

Core Competencies & Success Metri cs

Domain Expertise

• Fintech: Familiarity with instant approval decisioning, high-velocity transaction flows,chargeback/fraud dynamics, and customer acquisition models.
• 1-3 years in credit risk analytics, lending analytics, or consumer fintech metrics (e.g., fraud, chargeback, risk).
• Credit & Risk Knowledge: Understanding of bureau scoringTechnical Skills

Technical Skills

• SQL Advanced: Write complex nested queries, window functions, and multi-sta

  geaggregations. Optimize for performance on billion-row datasets.

• Python for Analytics: Pandas, NumPy, SciPy for ad-hoc cohort analysis, statistical tests (Chisquare, t-test, survival analysis), and simple predictive models (logistic regression).