Sr. Credit Risk Analyst

PayU; Mumbai; On-site; INR 1,400,000 - 2,000,000; Full time

Job summary

PayU is seeking a seasoned Sr. Credit Risk Analyst to lead innovative credit risk management strategies within our embedded merchant lending division. Your expertise will be vital in transforming how we use data to extend credit to underserved markets.

This role offers a unique opportunity to work alongside senior leadership, collaborating with various teams to create customer-centric solutions while instilling a culture of proactive risk management. A focus on advanced analytics and a bachelor's degree in a relevant field are required.

Qualifications

• 4-5 years of experience in Credit Risk Policy / Risk Analytics.
• Prior experience in managing credit risk for Supply Chain Finance Lending is a plus.

Responsibilities

• Develop and implement credit risk management strategies.
• Partner with senior leadership to establish scalable risk frameworks.
• Refine acquisition and customer management strategies for merchant lending.
• Collaborate across teams to create customer-centric solutions.
• Work directly with C-suite executives on risk strategies.
• Champion a culture of proactive risk management.

Skills

Strong problem-solving abilities

Strong communication skills

Stakeholder management skills

Technical language proficiency (R, SAS, Python, SQL)

Data visualization skills

Education

Bachelor’s degree in Mathematics, Statistics, Economics, Engineering or related field

Job description

Position Title

Sr. Credit Risk Analyst

Location

Mumbai (preferable)

About Us

PayU Finance stands as the premier credit and lending division of the PayU brand, a wholly-owned subsidiary of the globally renowned Prosus group (formerly Naspers group) headquartered in Amsterdam, Netherlands. With an impressive track record of disbursing over $280 million in consumer credit and approximately 20 billion loans by volume, we have established ourselves as a market leader in financial technology innovation. PayU Finance provides consumers and merchants with easy access to affordable short‑term/medium‑term loans.

About Role

This pivotal position sits at the intersection of innovation and expansion within our embedded merchant lending division at PayU Finance. As a key contributor, you will be instrumental in our "0 to 1" scaling journey, where your expertise will drive the transformation of how we leverage both alternative and traditional data sources to extend credit to underserved/new market segments. Your impact will be realized through the strategic application of advanced analytics, cutting‑edge data science methodologies, and deep domain knowledge.

Role and Responsibilities

• Develop and implement credit risk management strategies ensuring lending activities are prudent, profitable, and compliant with regulations · Design credit policies using traditional and alternative data sources to optimize risk‑adjusted returns while meeting business objectives
• Partner with senior leadership and partners to establish scalable risk frameworks that support our hyper‑growth trajectory
• Establish and refine acquisition and customer management strategies specifically tailored for our merchant lending business
• Collaborate across Business, Data Science, Product, and Technology teams to create customer‑centric solutions that enable prudent scaling
• Work directly with C‑suite executives to ensure appropriate risk strategies are implemented throughout the organization
• Champion a culture of proactive risk management that supports our mission

Education and Qualifications

Qualifications: Bachelor’s degree in Mathematics, Statistics, Economics, Engineering or a related field.

Experience

• 4‑5 years of Experience in Credit Risk Policy / Risk Analytics · Prior experience in managing credit risk for Supply Chain Finance Lending is a plus

Skills Required

• Strong problem‑solving abilities with strong communication and stakeholder management skills to successfully deliver business and risk initiatives
• Proficiency in at least one technical language (R, SAS, Python, or SQL)
• Demonstrated ability to visualize complex data analyses and communicate insights effectively to diverse audiences, including executive leadership
• Strong sense of ownership with proven track record of delivering results‑focused projects.