Sr Credit Risk Analyst

PayU Payments; Mumbai; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

PayU Finance in Mumbai is seeking a Sr. Credit Risk Analyst to lead the risk framework for its embedded merchant lending division.

You will drive credit risk policy development, leverage traditional and alternative data, and work with senior leadership to scale risk controls as the business grows. The ideal candidate has 4–5 years of credit risk analytics experience, a strong command of R/SAS/Python/SQL, and proven ability to translate complex data into actionable insights for executives.

Qualifications

• Bachelor’s degree in Mathematics, Statistics, Economics, Engineering or a related field.
• 4–5 years of experience in credit risk policy or risk analytics.
• Experience in Supply Chain Finance Lending is a plus.

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 hyper-growth
• Establish and refine acquisition and customer management strategies for merchant lending
• Collaborate across Business, Data Science, Product, and Technology teams to create customer-centric solutions
• Work directly with C-suite executives to ensure risk strategies are implemented across the organization
• Champion a culture of proactive risk management that supports our mission

Skills

Problem solving

Communication

Stakeholder management

R

SAS

Python

SQL

Data visualization

Education

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

Job description

Job Description

Position Title: Sr. Credit Risk Analyst

Company: PayU Finance

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

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.