The Role
Analyze portfolio performance and risk metrics to optimize underwriting, segmentation, and limit strategies. Build and maintain dashboards, support A/B tests and credit decision rule development, evaluate new data sources, and produce regular and ad-hoc reporting to inform risk, product, finance, and management teams.
Summary Generated by Built In
InDrive Money is a lending vertical aiming to fund under-banked audiences across inDrive network. Currently operating in six countries and issuing tens of thousands loans monthly and growing. We are using Platform's and alternative data for underwriting as well as transaction-based collection.
Key Responsibilities
- Support the development and optimization of credit risk strategies for consumer lending products
- Analyze portfolio performance and key risk metrics to identify trends, risks, and growth opportunities
- Monitor and improve underwriting rules, client segmentation, and limit management strategies
- Participate in the development, testing, and implementation of credit decision rules and scoring strategies
- Conduct analytical research on customer behavior, portfolio quality, and acquisition channel performance
- Prepare regular and ad-hoc reporting for Risk, Product, Finance, and Management teams
- Build and maintain dashboards and monitoring tools for portfolio and strategy performance tracking
- Support A/B testing and analytical experiments aimed at improving approval rates, portfolio profitability, and risk performance
- Assist in evaluating new data sources and improving decision-making models
- Participate in the launch and monitoring of new lending products and risk initiatives
- Collaborate closely with senior portfolio risk managers, analytics, product, and collections teams
Skills, Knowledge and Expertise
- 2+ years of experience in credit risk, portfolio analytics, risk strategy, or consumer lending analytics
- Strong analytical mindset and understanding of consumer lending risk metrics
- Experience working with portfolio monitoring, underwriting strategies, or scoring models
- Proficiency in SQL and good practical knowledge of Python, SAS, or similar analytical tools
- Experience with data analysis, reporting automation, and dashboard development
- Understanding of approval strategies, segmentation approaches, and credit portfolio performance analysis
- Ability to work with large datasets and translate analytical findings into business recommendations
- Strong communication skills and ability to work in a cross-functional environment
Why join us
- Help us challenge injustice by creating fair choices for millions of people across 1100+ cities in 48 countries
- Develop your professional skills with access to mentoring, career consulting, and learning programs
- Collaborate with teams around the world and gain international experience through our Global Talent Exchange Program
- Engage in company-wide challenges, awards, sports activities, employee-led social impact and volunteering projects
- Work alongside people who take initiative, speak openly, and challenge themselves to grow
- Improve your language skills through co-financed courses and internal speaking clubs
- Annual salary from 49 100 EUR gross
Final benefits may vary depending on the location
About
inDrive is a global tech company on a mission to challenge injustice. We started in 2012 in the coldest city on Earth, when a group of friends created a way for people to agree on fair ride prices. That idea grew into one of the world’s top ride-hailing apps, now with 360M installs across 48 countries.Today, we offer more than rides: from freight and delivery to intercity travel and financial services, all designed to put people first. Our goal is to positively impact 1 billion lives by 2030. Through inVision, our non-profit arm, we support education, entrepreneurship, and equality in underserved communities.Ready to ignite your inner drive?
Skills Required
- 2+ years of experience in credit risk, portfolio analytics, risk strategy, or consumer lending analytics
- Strong analytical mindset and understanding of consumer lending risk metrics
- Experience working with portfolio monitoring, underwriting strategies, or scoring models
- Proficiency in SQL and good practical knowledge of Python, SAS, or similar analytical tools
- Experience with data analysis, reporting automation, and dashboard development
- Understanding of approval strategies, segmentation approaches, and credit portfolio performance analysis
- Ability to work with large datasets and translate analytical findings into business recommendations
- Strong communication skills and ability to work in a cross-functional environment
- Experience supporting A/B testing and analytical experiments to improve approval rates and portfolio performance
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The Company
What We Do
inDrive is a global IT and transportation platform inDrive is one of the world’s fastest growing online ride-hailing services. Its services are available in over 749 cities in 46 countries throughout the world. The Company’s app has been downloaded over 150 million times. inDrive offers other services, including intercity transportation, freight and cargo services, as well as delivery services in different markets of operations. inDrive is based in Mountain View, California, and operates regional hubs in the Americas, Asia, the Middle East, Africa and the countries of the CIS, and employs over 2,000 people. In early 2021, inDrive achieved unicorn status after closing a $140m investment round with Insight Partners, General Catalyst, and Bond Capital, which valued the company at $1.23 billion.
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