Risk Analyst

Paytm; Bengaluru; On-site; INR 600,000 - 900,000; Full time

Job summary

Paytm is seeking a detail-oriented Credit Analyst to join our risk management team in Bengaluru. You will implement credit risk policies and optimize risk frameworks, collaborating with data scientists, product managers, and credit teams to enhance underwriting models and decisioning frameworks.

The role requires 1-3 years of experience in fintech or banking, with strong SQL/Python skills, and a B.Tech from NIT/BITS or equivalent.

Qualifications

• 1-3 years of fintech/banking experience preferred.
• Strong data analysis and manipulation skills.
• Proficiency in SQL and Python for data tasks.
• Excellent analytical, problem-solving and communication skills.

Responsibilities

• Analyze credit risk across merchant and personal loan products.
• Implement and optimize credit risk policies on the platform.
• Collaborate with data science, product and credit teams.
• Monitor policy performance and provide feedback for improvement.
• Utilize alternative data sources and ML models to enhance risk evaluation.
• Ensure compliance with regulatory guidelines and internal risk policies.
• Support integration of risk-based decisioning into lending processes.

Skills

SQL

Python

Analytical abilities

Communication

Education

B.Tech - NIT/BITS or equivalent

Job description

About Us:

Paytm is India’s leading mobile payments and financial services distribution company. A pioneer of the mobile QR payments revolution, Paytm builds technology that enables small businesses and consumers to participate in the digital economy. Our mission is to serve half a billion Indians and bring them into the mainstream economy through technology.

About the Team:

The Credit Risk Product Team is at the core of our lending operations, ensuring that our risk assessment models are efficient, scalable, and compliant with regulatory frameworks. The team collaborates closely with data scientists, engineers, and business stakeholders to develop and enhance credit risk models, decisioning frameworks, and risk mitigation strategies. By leveraging advanced analytics and machine learning, the team continuously refines underwriting processes to optimize loan performance and reduce defaults.

About the Role:

We are seeking a detail-oriented Credit Analyst to join our risk management team. The ideal candidate will be responsible for implementing credit risk policies, optimizing risk policies, and ensuring compliance with regulatory requirements. You will work closely with data scientists, product managers, and credit teams to enhance our underwriting models and decisioning frameworks.

Key Responsibilities:

• Analyze credit risk across various products, including merchant and personal loans, postpaid.
• Liaison with the business team to understand the credit risk policies and implement the same on platform.
• Implement the credit risk policies on our proprietary platform.
• Monitor performance of credit risk policies. Share feedback with product and Policy team what's working well and what needs improvement.
• Utilize alternative data sources, machine learning models, and traditional credit assessment techniques to enhance risk evaluation.
• Conduct testing and scenario analysis to measure policy resilience.
• Monitor key risk indicators (KRIs) and provide actionable insights to management.
• Ensure compliance with regulatory guidelines and internal risk policies.
• Collaborate with product and technology teams to integrate risk-based decision-making into lending processes.

Requirements:

• 1-3 years of experience, preferably in a fintech or banking environment.
• Proficiency in SQL, Python, for data analysis and manipulation.
• Excellent analytical, problem-solving, and communication skills.
• Ability to work in a fast-paced, dynamic environment and collaborate across teams.
• Education qualification: B.Tech- NIT/BITS or any other reputed institutions

Why Join us?

• Bragging rights to be behind the largest fintech lending play in India.
• A fun, energetic and a once-in-a-lifetime environment that enables you to achieve your best possible outcome in your career.

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

Compensation:

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

With 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!