Senior Lead - SME Risk

Saison International; Bengaluru; On-site; INR 2,500,000 - 5,500,000; Full time

Job summary

Credit Saison India in Bengaluru is seeking a Senior Lead - SME Risk to drive analytics across the credit lifecycle and portfolio performance. You will develop risk strategies, monitor delinquencies at a micro level, and partner with product, engineering and data science teams to implement data-driven risk solutions.

The role requires 6+ years in data science/risk analytics, strong SQL and Python/R skills, and experience with structured/unstructured data in fintech or lending contexts.

Qualifications

• Bachelor's degree in Computer Science, Engineering or related field from top tier institutions.
• 6+ years of experience in Data science, Risk Analytics or Risk Management.
• Proficiency in SQL and Python or R for analytics and modeling.
• Strong understanding of descriptive statistics, experimental design, Bayesian methods and distributions.
• Experience with machine learning techniques and risk modeling.
• Experience with both structured and unstructured data; fintech or lending domain is preferred.

Responsibilities

• Conduct portfolio analysis and monitor delinquencies at a micro level to identify risk segments and performance patterns.
• Develop credit strategies across customer lifecycle including acquisitions, management, fraud and collections.
• Identify trends via analytics across multiple cuts and timeframes to inform portfolio decisions.
• Provide analytical support for internal portfolio reviews and identify opportunities to improve quality.
• Collaborate with Product and Engineering teams to implement risk strategies.
• Work with Data Science team to input model variables and optimise risk model cutoffs.
• Create deep understanding of data sources and optimise their use in underwriting.
• Translate business problems into analytical solutions for risk assessment.

Skills

SQL

Python/R

Statistical methods

Machine learning

Structured/unstructured data

Data science

Risk analytics

Education

Bachelor's degree in CS/Engineering

Job description

Senior Lead - SME Risk# Careers## Senior Lead - SME RiskApply: Bengaluru, Mantri Avenue: Full time: Posted Today: End Date: 31 December 2026 (30+ days left to apply): REQ-002207**Role - Senior Manager / Chief Manager - SME Risk****About Credit Saison India**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. **Roles & Responsibilities:**● Conduct Portfolio Analysis and Monitor Portfolio delinquencies at a micro level, identification of segments, programs, locations, and profiles which are delinquent or working well. ● Helps to develop credit strategies across the customer lifecycle (acquisitions, management, fraud, collections, etc.) ● Identify trends by performing necessary analytics at various cuts for the Portfolio ● Provide analytical support to various internal reviews of the portfolio and help identify the opportunity to further increase the quality of the portfolio ● Work with Product team and engineering team to help implements the Risk strategies ● Work with Data science team to effectively provide inputs on the key model variables and optimise the cut off for various risk models ● Create a deep level understanding of the various data sources (Traditional as well as alternate) and optimum use of the same in underwriting ● Should have good understanding about various unsecured credit products ● Should be able to understand the business problems and helps convert them into the analytical solutions **Required skills & Qualifications:**● Bachelor's degree in Computer Science, Engineering or related field from top tier(IIT/IIIT/NIT/BITS) ● 6 + years of experience working in Data science/Risk Analytics/Risk Management with experience in building the models/Risk strategies or generating risk insights ● Proficiency in SQL and other analytical tools/scripting languages such as Python or R ● Deep understanding of statistical concepts including descriptive analysis, experimental design and measurement, Bayesian statistics, confidence intervals, Probability distributions ● Proficiency with statistical and data mining techniques ● Proficiency with machine learning techniques such as decision tree learning etc. ● Should have an experience working with both structured and unstructured data ● Fintech or Retail/ SME/LAP/Secured lending experience is preferred