Risk Analyst

Olyv, Inc.; Bengaluru; On-site; INR 600,000 - 1,200,000; Full time

Job summary

Olyv, Inc. seeks a candidate with 2+ years of experience in credit-policy, underwriting strategies, and risk modeling in Bengaluru, India. The role requires strong analytical skills, proficiency in SQL and Excel, and understanding of credit risk for unsecured loan products. Responsibilities include monitoring existing models, providing thought leadership on customer acquisition strategies, and ideating next-generation lending products. The position offers a dynamic environment for those passionate about innovation in unsecured credit risk.

Qualifications

• 2+ years of experience in credit-policy, underwriting strategies, and risk modeling.
• Experience in credit risk for short-term unsecured loan products in the Indian market.
• Proficiency in analytical skills with SQL, Excel, and BI dashboards.

Responsibilities

• Understand credit policies for Banks and NBFCs in the Indian lending space.
• Provide thought-leadership on improving customer acquisition strategies.
• Monitor existing models by designing tests and experiments.

Skills

Credit policy understanding

Analytical skills

SQL

Excel

BI dashboards

Python

Risk modeling

Job description

Role and Responsibilities

• Understand the credit policies for various Banks and NBFCs in the Indian lending space.
• Provide thought‑leadership on improving customer acquisition strategies, developing statistical credit models, and communicating analytical and credit ideas.
• Monitor existing models by designing tests and experiments to measure and evaluate customer credit behavior.
• Monitor the acquisition funnel, model performance and portfolio trends to develop strategic lending and business insight.
• Work with technology and business team to build out new credit acquisition and risk management capabilities and refine existing ones.
• Ideate and help launch next‑generation lending products and structures that will drive the next round of innovation.
• Monitor monthly transactions and provide a report on planning and risk management.

Desired Candidate Profile

• 2+ Years of experience in credit‑policy, underwriting strategies, and risk modeling.
• Experience in credit risk for short‑term unsecured loan products such as personal loans and credit cards in the Indian market.
• Experience in developing lending, customer acquisitions and/or portfolio management strategies.
• Proficiency in analytical skills with SQL, Excel and BI dashboards. Programming knowledge of Python or R is a bonus.
• Comfort in re‑defining frontiers and passion for doing cutting‑edge work in unsecured credit risk.