Credit Risk - Manager

Paytm; Dadri; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Paytm is seeking a Credit Risk Analyst to evangelize analytics and deliver data-driven insights for lending decisions. You will monitor portfolios, design risk strategies, and support growth with risk-aware decisions. Experience with fintech lending and strong data tooling will be essential.

The role involves coordination with product and collections teams, stress testing, and ensuring adherence to bureau data standards. Join a fast-paced, data-led environment at Paytm's growing lending arm.

Qualifications

• 5–8 years in portfolio risk management in fintech/banks/NBFC.
• Hands-on proficiency in SQL, Python, R, PySpark.
• Strong understanding of bureau data, alternate data, scorecards and digital lending APIs.
• Ability to translate data into clear insights and recommendations.

Responsibilities

• Portfolio Monitoring & Analytics across lending products.
• Design and refine risk strategies and policies.
• Perform stress testing and risk containment measures.
• Forecast losses and run scenario planning.
• Collaborate with product and growth teams.
• Interface with collections strategy and policy.
• Ensure compliance and bureau data governance.

Skills

SQL

Python

R

PySpark

Stakeholder mgmt

Problem solving

Tools

Tableau

Looker

Metabase

Job description

About Us

Paytm is India’s leading digital payments and financial services company, which is focused on driving consumers and merchants to its platform by offering them a variety of payment use cases.aytm offers acquiring devices like Soundbox, EDC, QR and Payment Gateway where payment aggregation is done through PPI and also other banks’ financial instruments. To further enhance merchants’ business, Paytm offers merchants commerce services through advertising and Paytm Mini app store. Operating on this platform leverage, the company then offers credit services such as merchant loans, personal loans and BNPL, sourced by its financial partners.

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 / refining risk strategies and supporting business growth through risk adjusted decision making.

Key Responsibilities :

• Portfolio Monitoring & Analytics
• Risk Strategy & Policy Design
• Stress Testing & Risk Containment
• Loss forecasting & scenario planning
• Product & Growth Partnership
• Collections Interface / Strategy
• Compliance & Bureau Management

Requirements:

• 5 to 8 yrs 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

Why join us

• A collaborative output driven program that brings cohesiveness across businesses through technology
• Improve the average revenue per use by increasing the cross-sell opportunities
• A solid 360 feedback from your peer teams on your support of their goals
• Respect, that is earned, not demanded from your peers and manager

Compensation:

If you are the right fit, we believe in creating wealth for you

With an 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!