Credit Risk Analyst — ML‑Driven Underwriting & Policy

Paytm; United States; On-site; USD 65,000 - 100,000; Full time

Job summary

Paytm is seeking a detail-oriented Credit Analyst to join our risk management team. You will implement credit risk policies, optimize risk rules, and ensure regulatory compliance within our underwriting platform.

Collaborating with data scientists, product managers, and credit teams, you will analyze merchant and consumer credit across products, monitor KRIs, and help improve policy resilience with testing and scenario analysis.

Qualifications

• 1–3 years of experience in fintech or banking preferred.
• Proficiency in SQL and Python for data analysis.
• Excellent analytical, problem-solving, and communication skills.

Responsibilities

• Analyze credit risk across products (merchant, personal, postpaid).
• Implement credit risk policies on the platform.
• Monitor policy performance and provide feedback to product and policy teams.
• Collaborate with data scientists, engineers, and business stakeholders.
• Use alternative data sources and ML models to enhance risk evaluation.
• Conduct testing and scenario analysis to measure policy resilience.
• Monitor KRIs and provide actionable insights to management.
• Ensure compliance with regulatory guidelines and internal policies.

Skills

Analytical skills

Communication skills

Cross-team collaboration

Education

B.Tech in CS/IT

Tools

SQL

Python

Job description

Paytm is seeking a detail-oriented Credit Analyst to join our risk management team. You will implement credit risk policies, optimize risk rules, and ensure regulatory compliance within our underwriting platform.

Collaborating with data scientists, product managers, and credit teams, you will analyze merchant and consumer credit across products, monitor KRIs, and help improve policy resilience with testing and scenario analysis.