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, optimize risk frameworks, and ensure regulatory compliance while working with data scientists, product managers, and credit teams to enhance underwriting models.

The role requires 1-3 years in fintech or banking, proficiency in SQL and Python, and strong analytical and communication skills to thrive in a fast-paced environment.

Qualifications

• 1-3 years of fintech or banking experience.
• Proficiency in SQL and Python for data analysis.
• Excellent analytical and problem-solving skills.
• Strong communication and collaboration abilities.
• Education: B.Tech from NIT/BITS or similar.

Responsibilities

• Analyze credit risk across products (merchant, personal, postpaid).
• Implement credit risk policies on the platform.
• Collaborate with data scientists, product managers and credit teams to enhance underwriting models.
• Monitor policy performance and provide feedback on effectiveness.
• Utilize alternative data, machine learning models and traditional approaches to risk evaluation.
• Conduct testing and scenario analyses to assess policy resilience.
• Monitor KRIs and provide actionable insights to management.
• Ensure regulatory compliance with internal policies.
• Integrate risk-based decision-making into lending processes.

Skills

SQL

Python

Analytical skills

Communication skills

Education

B.Tech from NIT/BITS or reputed institutions

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:

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

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!