Credit Analyst

Responsibilities

1. Responsible for end-to-end risk strategies including underwriting, limit assignment, risk based pricing and tenure eligibility.
2. Manage the existing users’ life time value through post loan management including limit adjustment
3. Develop and track key indicators from both internal and external data sources to detect abnormal risk trends and optimize risk strategies.
4. Conduct data analysis on risk exposure and profitability to identify opportunities for product and strategy improvement. Provide credit risk insights and recommendations to internal teams and stakeholders.
5. Assess business operations and market trends to enhance competitive positioning.
6. Collaborate with Data Science, Business Development, and Product teams to launch new initiatives and grow the business while controlling risk

1. Bachelor’s or Master’s degree in Math, Physics, Statistics, Quantitative Finance, Statistics, Computer Science, Economics, Business Analytics, Data Science, or other quantitative fields.
2. Minimum 3 years experience in a quantitative role. Prior experience in Retail/Institutional Banking, Consumer/SME Finance, Supply Chain Finance, e-Commerce, Consulting, or Credit Ratings is a plus.
3. Hands-on experience with making impactful business decision through analyzing large data set
4. Experience with conducting A/B tests to verify hypotheses that lead to actionable items to improve the business
5. Proficiency in SQL, Python, Excel, PPT.
6. Strong attention to detail and ability to identify data inconsistencies.
7. Effective communication skills to present complex insights to technical and business stakeholders.