Credit Risk Analyst

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

Job summary

Kissht, India's leading fintech, is seeking a Business / Credit Risk Analyst to join its Data Analytics team in Mumbai. The role focuses on analyzing loan and customer data with strong SQL and Python hands-on skills to uncover risk insights and drive informed decisions.

You will collaborate with Risk, Product and Data teams, translating business requirements into data-driven analyses, dashboards, and actionable recommendations. 2–4 years in credit risk analytics and a BE/BTech are preferred.

Qualifications

• B.Tech/B.E. from a reputed institute.
• 2–4 years of experience in Business Analytics / Credit Risk Analytics / Data Analytics.
• Strong hands-on experience in SQL and prior experience in NBFC or Fintech.
• Experience working with Risk Analytics / Credit Risk / Portfolio Analytics will be highly preferred.

Responsibilities

• Analyze portfolio, customer, and loan data with Risk team to identify trends and insights.
• Perform data analysis to identify risk trends, patterns, and key business insights.
• Use SQL and Python extensively for data extraction, analysis, automation, and reporting.
• Analyze key risk and portfolio metrics across the customer and loan lifecycle.
• Identify trends in portfolio performance, repayment behavior, delinquency, and risk.
• Develop analytical reports and dashboards to support risk and business decisions.
• Translate business and risk requirements into data-driven analysis and actionable insights.
• Work with large datasets and conduct exploratory analysis to identify potential risk indicators.
• Collaborate with Risk, Product, Business, and Data teams to solve complex analytical problems.
• Present findings and recommendations to relevant stakeholders.

Skills

SQL

Python

Analytical thinking

Stakeholder management

Education

B.Tech/B.E. degree

Job description

We are looking for a Business / Credit Risk Analyst to join our Data Analytics team and work closely with the Risk team. The ideal candidate should have strong hands‑on expertise in SQL and Python and prior experience specifically in the NBFC or Fintech domain.

Key Responsibilities:

• Work closely with the Risk team to analyze portfolio, customer, and loan‑related data.
• Perform data analysis to identify risk trends, patterns, and key business insights.
• Use SQL and Python extensively for data extraction, analysis, automation, and reporting.
• Analyze key risk and portfolio metrics across the customer and loan lifecycle.
• Identify trends in portfolio performance, repayment behavior, delinquency, and risk.
• Develop analytical reports and dashboards to support risk and business decisions.
• Translate business and risk requirements into data‑driven analysis and actionable insights.
• Work with large datasets and conduct exploratory analysis to identify potential risk indicators.
• Collaborate with Risk, Product, Business, and Data teams to solve complex analytical problems.
• Present findings and recommendations to relevant stakeholders.
• B.Tech/B.E. from a reputed institute.
• 2–4 years of experience in Business Analytics / Credit Risk Analytics / Data Analytics.
• Strong hands‑on experience in SQL and prior experience in NBFC or Fintech
• Experience working with Risk Analytics / Credit Risk / Portfolio Analytics will be highly preferred.
• Strong analytical and problem‑solving skills.
• Ability to work with large datasets and derive meaningful business insights.
• Strong communication and stakeholder management skills.

About Company:

Kissht is India's leading listed fintech companies, offering fast, personalized digital credit through its mobile app to customers across the country. Founded in 2016 by IIT/IIM alumni Ranvir Singh and Krishnan Vishwanathan, both former McKinsey consultants, Kissht was listed on the NSE and BSE in May 2026.

Kissht serves 74.6 million registered users and 12.25 million customers, with assets under management (AUM) of approximately ₹8,000 crore. Its growth is powered by proprietary AI/ML‑based underwriting, a robust in‑house technology stack, and a pan‑India collections network.

Headquartered in Mumbai and backed by marquee investors, including the Brunei Investment

Authority, Vertex Growth Fund, and the Government of Singapore, Kissht is now scaling as a public

company and is looking for driven, entrepreneurial talent to join nits next phase of growth.