The Role
Manage credit risk analytics for consumer and merchant lending portfolios. Monitor portfolio health, develop risk strategies and policies, conduct stress testing, forecast losses, plan scenarios, support product growth, interface with collections, and manage compliance and bureau data. Translate analytics into actionable business recommendations while partnering with stakeholders across lending operations.
Summary Generated by Built In
About Us
Paytm is India’s leading digital payments and financial services company, which is focused on driving consumers and merchants to its platform by offering them a variety of payment use cases.aytm offers acquiring devices like Soundbox, EDC, QR and Payment Gateway where payment aggregation is done through PPI and also other banks’ financial instruments. To further enhance merchants’ business, Paytm offers merchants commerce services through advertising and Paytm Mini app store. Operating on this platform leverage, the company then offers credit services such as merchant loans, personal loans and BNPL, sourced by its financial partners.
About the role:
Evangelize and demonstrate the value and impact of analytics for informed business decision making by developing and deploying analytical solutions and providing data driven insights to business stakeholders to understand and solve for various lending business nuances.
The Credit Risk Analyst will be responsible for monitoring , analysing and optimising lending portfolios across consumer / merchant lending products. This includes overseeing portfolio health , developing / refining risk strategies and supporting business growth through risk adjusted decision making.
Key Responsibilities :
- Portfolio Monitoring & Analytics
- Risk Strategy & Policy Design
- Stress Testing & Risk Containment
- Loss forecasting & scenario planning
- Product & Growth Partnership
- Collections Interface / Strategy
- Compliance & Bureau Management
Requirements:
- 5 to 8 yrs in portfolio risk management function in Fintech/ Banks/ NBFC
- Hands on experience in SQL, Python, R, Pyspark
- Good understanding of Bureau data, Alternate Data, Scorecards, Digital Lending API's etc
- Ability to translate data into clear insights and recommendations
- Familiarity with BI tools like Tableau, Looker , Metabase etc
- Understanding of machine learning models in credit risk
- Strong problem solving and stakeholder management skills
Why join us
● A collaborative output driven program that brings cohesiveness across businesses through technology
● Improve the average revenue per use by increasing the cross-sell opportunities
● A solid 360 feedback from your peer teams on your support of their goals
● Respect, that is earned, not demanded from your peers and manager
Compensation:
If you are the right fit, we believe in creating wealth for you
With an enviable 500 mn+ registered users, 21 mn+ merchants and depth of data in our ecosystem, we are in a unique position to democratize credit for deserving consumers & merchants – and we are committed to it. India’s largest digital lending story is brewing here. It’s your opportunity to be a part of the story!
Skills Required
- 5 to 8 years of experience in portfolio risk management within fintech, banking, or NBFC organizations
- Hands-on experience with SQL, Python, R, and PySpark
- Understanding of bureau data, alternate data, scorecards, and digital lending APIs
- Ability to translate data into clear insights and recommendations
- Familiarity with BI tools such as Tableau, Looker, or Metabase
- Understanding of machine learning models in credit risk
- Strong problem-solving and stakeholder management skills
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The Company
What We Do
Paytm started the Digital Revolution in India. And we went on to become India’s leading Payments App. Today, more than 20 Million merchants & businesses are powered by Paytm to Accept Payments digitally. This is because more than 300 million Indians use Paytm to Pay at their stores. And that’s not all, Paytm App is used to Pay bills, do Recharges, Send money to friends & family, Book movies & travel tickets. With innovations to Financial services & products in pipeline, this is but one of the milestones achieved towards our mission – to bring 500 million unserved and underserved Indians to the mainstream economy.
