The Role
The risk analyst will manage risk strategy, build credit risk policies, assess portfolio effectiveness, and provide insights on credit decisions.
Summary Generated by Built In
what will you do:
- as the risk team member you will be responsible for managing risk strategy and containing credit losses at Prefr
- you will be responsible for building different credit risk policies using different scorecards and models
- policies include approve/ decline block/unblock pricing limit assignment etc
- working closely with collections and operations team to ensure the feedback loop is closed and learnings are relayed into our credit decisioning strategies
- working closely with technology and product teams to ensure right implementation of credit policies in the system through testing and due diligence
- constantly assess effectiveness of existing credit policies through portfolio deep dive and segment analysis and recommend changes in policies if required
- building and publishing portfolio monitoring reports/dashboards with risk matrices on a regular basis and providing key insights
- calculate loss provision for the portfolios and provide loss forecasting of future months
- provide support with data and insights on risk for lender onboarding lender reviews internal risk committee reviews etc
- create product programs and policy documents with subsequent changes and version controls
you should apply if you have/are:
- 2-4 years of strong analytical monitoring execution experience in banks/NBFCs/fintechs
- proficient in SQL python
- prior retail credit experience will be strongly preferred followed by any experience on underwriting in proximate fields like unsecured loans insurance working capital loans etc
- have the ability to analyze and solve complicated problems and distil that complexity into simple and concise communication
- strong written and verbal communication skills
Skills Required
- 2-4 years of strong analytical monitoring execution experience
- Proficient in SQL
- Proficient in Python
- Prior retail credit experience
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The Company
What We Do
We're a team of creative, driven and persistent people. We want to create a community of the creditworthy. We want to re-imagine the ideal way of life that works on two way trust and respect. Every partnership, collaboration or idea we create works towards providing an experience beyond imagination. Every member is passionate towards this goal. This passion seamlessly drives us forward. If you have ideas, passion and courage, bring them to the table. Company culture to us stands at the forefront of what we believe in. We aim at finding unique people who will stand the test of time.
