Risk Analyst

Time Hack Consulting; Bengaluru; On-site; INR 900,000 - 1,500,000; Full time

Benefits offered by this job

Informal dress code

Supportive work culture

Opportunities for upskilling and career growth

Approachable and friendly founders

Flexible work options during emergencies

Recreational activities and engagement programs

Skill-development and training opportunities

Potential for strong salary hikes

Ownership and meaningful impact environment

Benefits may vary based on position

Job summary

A fast-growing fintech company based in Bengaluru is looking for a candidate with expertise in credit policy and risk modeling. The role involves analyzing credit policies, developing insights for customer acquisition, and evaluating credit risk strategies. Candidates should have at least 3 years of experience in the field and proficiency in analytical tools such as Excel, with a passion for innovative solutions. The role offers flexible working conditions, opportunities for career growth, and a supportive work culture.

Qualifications

• Minimum 3 years’ experience in credit policy, underwriting strategy, or risk modeling.
• Strong background in short-term unsecured products such as personal loans and credit cards.
• Proficient in analytical tools like Excel and BI dashboards.
• Proficient in Excel and BI dashboards; knowledge of Python or R is an added advantage.
• Comfortable pushing boundaries and passionate about cutting-edge work in unsecured credit risk.

Responsibilities

• Gain a deep understanding of credit policies across Banks and NBFCs.
• Offer strategic insights to enhance customer acquisition and build credit models.
• Review monthly transactions and prepare reports for planning and risk management.
• Monitor acquisition funnels, model outcomes, and portfolio trends to generate lending and business insights.
• Collaborate with technology and business teams to develop and refine credit acquisition and risk management capabilities.
• Contribute ideas and support the launch of innovative lending products and structures.
• Review monthly transactions and prepare reports for planning and risk management.

Skills

credit policy

risk modelling

credit risk

underwriting strategy

Python

analytical tools

sql

Tools

Excel

BI dashboards

Job description

This range is provided by Time Hack Consulting. Your actual pay will be based on your skills and experience — talk with your recruiter to learn more.

Base pay range

Location-Bengaluru Onsite

About Company

A rapidly growing, Series B–funded Bengaluru-based fintech leveraging GenAI technology for modern lending, offering large-ticket PL & STPL products, with a mission to make India financially inclusive.

Role & Responsibilities

• Gain a deep understanding of credit policies across Banks and NBFCs in the Indian lending ecosystem.
• Offer strategic insights to enhance customer acquisition, build statistical credit models, and communicate analytical recommendations.
• Track and evaluate existing models by designing experiments to assess customer credit behavior.
• Monitor acquisition funnels, model outcomes, and portfolio trends to generate lending and business insights.
• Collaborate with technology and business teams to develop and refine credit acquisition and risk management capabilities.
• Contribute ideas and support the launch of innovative lending products and structures.
• Review monthly transactions and prepare reports for planning and risk management.

Desired Candidate Profile

• Minimum 3 years’ experience in credit policy, underwriting strategy, or risk modeling.
• Strong background in credit risk for short-term unsecured products such as personal loans and credit cards in the Indian market.
• Experience in developing strategies for lending, customer acquisition, and portfolio management.
• Proficient in analytical tools like Excel and BI dashboards; knowledge of Python or R is an added advantage.
• Comfortable pushing boundaries and passionate about cutting-edge work in unsecured credit risk.

Benefits & Perks

• Informal dress code
• Supportive work culture
• Opportunities for upskilling and career growth
• Approachable and friendly founders
• Flexible work options during emergencies (limited WFH otherwise)
• Recreational activities and engagement programs
• Skill-development and training opportunities
• Potential for strong salary hikes depending on the role
• An environment that encourages ownership and meaningful impact
• Benefits and flexibility may vary based on position

Skills: credit policy, risk modelling, risk management, credit risk, underwriting strategy, python, sql

Seniority level

• Entry level

Employment type

• Full-time

Job function

• Finance and Sales
• Business Consulting and Services