Senior Associate - Secured Risk

Kisetsu Saison Finance (India) Private Limited; Mumbai; On-site; INR 1,500,000 - 2,700,000; Full time

Job summary

Credit Saison India is seeking a Sr Associate - Sec Risk Analytics to bridge technical modeling and business execution in Mumbai. You will perform micro-level portfolio analytics, track delinquency patterns and help formulate credit risk strategies in collaboration with Data Science, Product, and Engineering teams.

The role requires deep statistical knowledge, 5+ years in data science or risk analytics, strong SQL, and Python or R skills.

Qualifications

• Bachelor's or Master's in CS, Engineering, Statistics, applied mathematics or quantitative discipline.
• 5+ years in Data Science, Risk Analytics or Quantitative Risk Management with predictive models.
• Strong SQL for data extraction and manipulation.
• Proficiency in Python or R for analytics and ML.
• Experience with credit risk models and policy optimization.
• Knowledge of secured retail lending and NBFC operations preferred.

Responsibilities

• Portfolio analytics and delinquency tracking at micro level.
• Develop data-driven credit strategies across the customer lifecycle.
• Identify trends and deliver actionable risk intelligence.
• Collaborate with Product and Engineering to implement risk rules.
• Work with Data Science to optimize model variables and cut-offs.
• Incorporate traditional and alternative data streams.
• Understand secured lending products to align risk with margins.

Skills

SQL

Python/R

Statistics

ML techniques

Data engineering

Domain expertise (retail credit)

Education

Bachelors or Masters in CS/Engineering/Statistics/Applied Math

Tools

Python

R

Job description

Sr Associate - Sec Risk Analytics About Credit Saison Established in 2019, Credit Saison India (CS India) is one of the country’s fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting India’s huge gap for credit, especially with underserved and under penetrated segments of the population. Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long-term for MSMEs, households, individuals and more. Credit Saison India is registered with the Reserve Bank of India (RBI) and has an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings. Currently, Credit Saison India has a branch network of 80+ physical offices, 2.06 million active loans, an AUM of over US$2B and an employee base of about 1,400 employees. Credit Saison India is part of Saison International, a global financial company with a mission to bring people, partners and technology together, creating resilient and innovative financial solutions for positive impact. Across its business arms of lending and corporate venture capital, Saison International is committed to being a transformative partner in creating opportunities and enabling the dreams of people.

Saison International is the international headquarters (IHQ) of Credit Saison Company Limited, founded in 1951 and one of Japan’s largest lending conglomerates with over 70 years of history and listed on the Tokyo Stock Exchange. The Company has evolved from a credit-card issuer to a diversified financial services provider across payments, leasing, finance, real estate and entertainment. Based in Singapore, Saison International’s global operations span over Singapore, India, Indonesia, Thailand, Vietnam, Mexico, Brazil, with active investments in debt, equity, corporate venture capital, and technology.

About The Role:

This critical role acts as a bridge between technical modeling and business execution. The successful candidate will perform micro-level portfolio analysis, track emerging delinquency patterns, and formulate credit risk strategies. By partnering with Data Science, Product, and Engineering teams, the role ensures that predictive risk models and alternative data streams are optimally deployed to drive safe, profitable asset growth across various secured lending products.

Core Responsibilities:

• Portfolio Analytics & Delinquency Tracking: Conduct continuous, granular portfolio analytics and monitor delinquency trends at a micro-level. Identify and isolate performance indicators across distinct segments, to isolate risk drivers and spot growth opportunities.
• Lifecycle Credit Strategy Development: Lead the creation, evaluation, and refinement of data-driven credit strategies across the entire customer lifecycle, including automated customer acquisition, portfolio limit management, fraud containment, and automated collection triggers.
• Trend Identification & Reporting: Uncover underlying portfolio behaviors and macro trends by executing complex data cuts and rigorous statistical validation, delivering actionable risk intelligence to support internal and leadership portfolio reviews.
• Cross-Functional Strategy Implementation: Collaborate extensively with the Product and Engineering teams to map out risk strategies, policy rules, and decisioning workflows, ensuring seamless implementation into the production environment.
• Model Optimization & Score Cut-Offs: Partner directly with the Data Science team to provide crucial domain expertise on key model variables, validate predictive performance, and dynamically optimize score-card cut-offs for various proprietary risk models.
• Data Source Evolution & Alternative Underwriting: Develop an exhaustive knowledge of traditional (credit bureau) and alternative/digital data streams. Innovate optimal configurations for incorporating these diverse sources to enhance predictive accuracy.
• Product Architecture Alignment: Maintain a robust functional understanding of secured lending products (e.g., Home Loan, LAP in both prime and affordable segment) to ensure risk frameworks perfectly align with business margins and product design.

Key Requirements:

• Educational Background: Bachelor's or Master's degree in Computer Science, Engineering, Statistics, Applied Mathematics, or a highly quantitative discipline from a premier institution.
• Professional Experience: 5+ years of professional experience within Data Science, Risk Analytics, or Quantitative Risk Management. Proven experience building predictive models, optimizing credit policies, and delivering complex analytical insights.
• Technical & Tool Proficiency: Advanced mastery of SQL for complex data extraction, querying, and manipulation. Strong hands-on programming proficiency in Python or R for statistical analysis and machine learning.
• Statistical Expertise: Deep conceptual and practical understanding of advanced statistical foundations, including descriptive analytics, experimental design, hypothesis testing, Bayesian inference, confidence intervals, and probability distributions.
• Machine Learning & Data Mining: Proficiency with core machine learning techniques and statistical algorithms, specifically decision tree learning, ensemble methods (Random Forest, Gradient Boosting), logistic regression, and cluster analysis.
• Data Dexterity: Demonstrated competence in processing, clean-up, and engineering of large-scale datasets, with a proven ability to work with both highly structured financial databases and semi-structured/unstructured data sources.
• Domain Expertise: Deep functional knowledge of retail credit lines, secured credit products. Exposure to Fintech lending ecosystems, retail banking, NBFC operations, or SME/LAP/Secured lending is strongly preferred.

At Credit Saison India, we are driven by Innovation, Inclusion, and Integrity to create a meaningful Impact. As one of India's fastest-growing NBFC lenders, our mission is to bridge the credit gap and transform lives by empowering underserved communities. Our journey is fueled by a team of 1,400+ employees across 80+ branches, with an AUM of over $2 billion. Join us and help build a brighter financial future for millions across the country. Established in 2019, Credit Saison India (CS India) is one of the country’s fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting India’s huge gap for credit, especially with underserved and under penetrated segments of the population. Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long-term for MSMEs, households, individuals and more. Credit Saison India is registered with the Reserve Bank of India (RBI) and has an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings. Currently, Credit Saison India has a branch network of 80+ physical offices, 2.06 million active loans, an AUM of over US$2B and an employee base of about 1,400 employees. Credit Saison India is part of Saison International, a global financial company with a mission to bring people, partners and technology together, creating resilient and innovative financial solutions for positive impact. Across its business arms of lending and corporate venture capital, Saison International is committed to being a transformative partner in creating opportunities and enabling the dreams of people. Saison International is the international headquarters (IHQ) of Credit Saison Company Limited, founded in 1951 and one of Japan’s largest lending conglomerates with over 70 years of history and listed on the Tokyo Stock Exchange. The Company has evolved from a credit-card issuer to a diversified financial services provider across payments, leasing, finance, real estate and entertainment. Based in Singapore, Saison International’s global operations span over Singapore, India, Indonesia, Thailand, Vietnam, Mexico, Brazil, with active investments in debt, equity, corporate venture capital, and technology.