Risk Analyst - Digital Lending

ACURA SOLUTIONS LTD; Mumbai; On-site; INR 900,000 - 1,800,000; Full time

Job summary

ACURA Solutions Ltd in Mumbai seeks a Risk Analyst specializing in Digital Lending to assess and mitigate risks in personal loans and credit cards. The ideal candidate will have a strong background in risk analytics, regulatory awareness, and the ability to translate data into actionable insight.

You will develop models, monitor key risk indicators, and collaborate with cross-functional teams to strengthen lending processes.

Qualifications

• Experience in digital lending risk analytics and familiarity with personal loans and credit cards.
• Strong analytical and problem-solving abilities with data-driven mindset.
• Excellent written and verbal communication for presenting findings.

Responsibilities

• Analyze data related to consumer loans and credit cards to identify risks and opportunities.
• Develop and implement risk assessment models to evaluate creditworthiness.
• Collaborate with cross-functional teams to improve digital lending processes and risk control.
• Monitor and report key risk indicators to senior management for informed decisions.
• Stay updated on industry trends and regulatory changes impacting digital lending.

Skills

Python

SQL

Risk analytics

Risk policy frameworks

Digital lending

Communication

Job description

We are seeking a Risk Analyst specializing in Digital Lending to join our team in the Mumbai region. The ideal candidate will have a strong background in risk analytics and a deep understanding of the digital lending landscape, including personal loans and credit cards. This role is crucial in assessing and mitigating risks associated with lending products, ensuring compliance with risk policies, and contributing to the overall success of our lending operations.

Key Responsibilities:

• Analyze and interpret data related to consumer loans and credit card products to identify potential risks and opportunities.
• Develop and implement risk assessment models and frameworks to evaluate the creditworthiness of applicants.
• Collaborate with cross-functional teams to enhance digital lending processes and improve risk management strategies.
• Monitor and report on key risk indicators, providing insights to senior management for informed decision-making.
• Stay updated on industry trends and regulatory changes affecting digital lending and risk management.

Required Skills:

• Proficiency in Python and SQL for data analysis and reporting.
• Strong understanding of risk analytics and risk policy frameworks.
• Experience in digital lending, particularly in consumer loans and credit cards.
• Excellent analytical and problem-solving skills, with the ability to work independently and as part of a team.
• Strong communication skills to effectively present findings and recommendations.