Senior Risk Analyst

Olyv, Inc.; Bengaluru; On-site; INR 800,000 - 1,200,000; Full time

Job summary

Olyv, Inc. is seeking a Credit Risk Analyst in Bengaluru, India to analyze credit policies for banks and NBFCs. The role involves evaluating customer credit behavior and refining credit acquisition strategies. Candidates should have 2 - 4 years of relevant experience, particularly in unsecured loans and credit cards, along with strong analytical skills in SQL and Excel. A passion for innovative work in credit risk is essential.

Qualifications

• 2 - 4 years of experience in credit policy, underwriting strategies, and risk modeling.
• Experience in credit risk for unsecured loan products.
• Proficiency in analytical skills with SQL, Excel, and BI dashboards.

Responsibilities

• Understand credit policies for Banks and NBFCs in India.
• Monitor existing models and evaluate customer credit behavior.
• Work with technology and business teams on credit acquisition capabilities.

Skills

Credit policy understanding

Credit risk modeling

SQL

Excel

BI dashboards

Python

R

Job description

Role and Responsibilities

• Understand the credit policies for various Banks and NBFCs in the Indian lending space - Provide thought‑leadership on improving customer acquisition strategies, developing statistical credit models, and communicating analytical and credit ideas
• Monitoring existing models by designing tests and experiments to measure and evaluate customer credit behavior
• Monitor the acquisitions funnel, model performance and portfolio trends to develop strategic lending and business insight
• Work with the technology and business teams to build out new credit acquisition and risk management capabilities and refine existing ones
• Ideate and help launch next‑generation lending products and structures that will drive the next round of innovation
• Monitoring monthly transactions and providing a report on planning and risk management

Desired Candidate Profile

• 2 - 4 Years of experience in credit policy, underwriting strategies, and risk modeling
• Experience in credit risk for short‑term unsecured loan products as personal loans and credit cards, in the Indian market
• Experience in developing lending, customer acquisitions and/or portfolio management strategies
• Proficiency in analytical skills with SQL, Excel and BI dashboards. Programming knowledge of Python, R is a bonus.
• Comfort in re‑defining frontiers and passion for doing cutting‑edge work in unsecured credit risk.